Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
The health insurance plan choices have different of out-of-pocket costs. Out-of-pocket costs include copayments, coinsurance, and deductibles.
However, the Affordable Care Act (ACA) requires that all plans limit your annual out-of-pocket costs for services.
They can be no more than roughly $6,600 for individuals and $13,200 for families in 2015.
For 2016, the maximum out-of-pocket is $6,850 for individuals and $13,700 for families.
There are separate out-of-pocket maximums for stand-alone dental plans.
Plans must also cover certain preventive services without cost-sharing.
Also, if your income is below a certain amount, you may be able to buy a plan with lower cost-sharing and lower out-of-pocket costs. This plan would not make you pay a higher premium.
Check with the Health Insurance Marketplace, agents, navigators or certified application counselors to learn if you qualify.
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