Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
In Kansas, health insurance coverage is available outside of the Health Insurance Marketplace. These plans must meet the requirements of health insurance.
However, if you want to use premium tax credits to help pay part of your premiums, you must buy coverage through the Health Insurance Marketplace.
You can also buy plans outside the Marketplace that don’t cover the essential health benefits.
Often these are for plans that cover only specific or ancillary services. For example: cancer, hearing, chiropractic, etc.
However, these policies do not provide minimum essential coverage and will not satisfy the individual mandate.
The NAIC has some resources discussing these types of plans:
You may want to contact an insurance agent for help.
People who already have coverage can buy a policy for a child through the Health Insurance Marketplace.
By law, any health plan offered through the exchange must also be offered as a child-only plan at the same tier of coverage.
You may also be eligible for tax credits for child-only plans you buy through the Health Insurance Marketplace.
Visit the Health Insurance Marketplace website at HealthCare.gov for more information about child-only plans available through the Health Insurance Marketplace.
Children who aren’t citizens or legal residents of the United States aren’t eligible for plans through the Health Insurance Marketplace.
You may be able to buy a child-only policy outside the Health Insurance Marketplace, either directly from an insurer or through an agent.
For a list of licensed insurers in Kansas, visit www.ksinsurance.org/department/company-search.php.
A child also may be eligible for the Kansas Children’s Health Insurance Program (CHIP).
To learn more about CHIP plans, visit www.kdheks.gov/hcf/medical_assistance/apply_for_assistance.html
This article is published on KansasMoney.gov. Find more information by contacting these state agencies: