Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
Individuals and families with an income low enough that they don’t need to file federal income tax returns
People who would pay 8% or more of the income for coverage (after taking into account premium tax credits and employer contributions)
Individuals who have been uninsured for less than three months
People who are in jail
Individuals who aren’t lawfully present in the country
Members of federally recognized American Indian tribes
Individuals who are not members of federally recognized American Indian tribes, but can get services through an Indian healthcare provider
People who don’t have coverage because they belong to a religious group that objects to insurance coverage
People who are members of a healthcare sharing ministry
People who experience hardship in obtaining coverage
There’s more information about who doesn’t have to pay a penalty if they don’t have health insurance in the IRS FAQ: click here.
The process for getting an exemption from the individual mandate depends on your reason for getting the exemption. The federal website has instructions, including online forms, for you to use to get an exemption: www.healthcare.gov
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