Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
Most policies will require you meet certain criteria, called “benefit triggers”. This is usually one of the following:
1. You suffer from severe cognitive impairment
2. You are unable to perform at least two Activities of Daily Living (ADLs) on your own.
ADLs include bathing, eating, dressing, toileting, transferring in and out of chairs or beds, care for incontinence, and care for cognitive limitations due to Alzheimer’s disease or another form of dementia.
Be sure to read your policy and understand what benefit triggers you must meet in order to receive long-term care coverage.
Kansas laws allow policies to have these exclusions:
This article is published on KansasMoney.gov. Find more information by contacting these state agencies: