NEW YORK (CNNMoney) —Were you uninsured in 2014? It's time to pay the piper! Some 3 million to 6 million Americans will have to pay an Affordable Care Act tax penalty for not having health insurance last year, Treasury officials said Wednesday. It's the first time they have given estimates for how many people will be subject to a fine. The penalty is $95, or 1% of income above a certain threshold (roughly $20,000 for a couple). So you could end up owing the IRS a lot of money.