If an individual fails to purchase coverage and does not meet the exceptions or the religious exemption, then a financial penalty will be assessed. Under this particular proposal for [[Obamacare]] care, the penalty is calculated by multiplying the number of uncovered months times the weighted average of the monthly premium for a plan in the person’s coverage class and coverage area, plus 15 percent.<ref> http://wyden.senate.gov/issues/Healthy%20Americans%20Act/HAA_Section_by_Section.pdf</ref>