In 2016, the cost of not having health insurance will rise significantly. The federal penalty is set to increase to $695, highlighting the need for the Obama administration to stress this point as part of their effort to boost health law sign-ups. This increase in fines could become a focal point during the enrollment period starting November 1, encouraging millions who qualify but haven’t gotten insured yet to reconsider their decision. Living without insurance means missing out on benefits like routine checkups that group health insurance plans typically provide. Many who remain uninsured are often skeptical about the value of having health insurance.