ObamaCare: 17 Exemptions To Avoid Fine For Lack Of Coverage (Full List)

If you find yourself unable to afford the high premiums under ObamaCare, or the fine imposed for failure to obtain coverage, don't stress out over it. I'm sure you can find an exemption that fits your circumstances. And since they can no longer deny coverage due to pre-existing conditions, you can just wait until you get sick to sign up! No worries.....

From  Healthcare.gov :

Exemptions from the payment 

Under certain circumstances, you won’t have to make the individual responsibility payment. This is called an “exemption.” 

You may qualify for an exemption if: 

• You’re uninsured for less than 3 months of the year
• The lowest-priced coverage available to you would cost more than 8% of your household income
• You don’t have to file a tax return because your income is too low (Learn about the filing limit.)
• You’re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider
• You’re a member of a recognized health care sharing ministry You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare
• You’re incarcerated, and not awaiting the disposition of charges against you You’re not lawfully present in the U.S. 

Hardship exemptions 

 If you have any of the circumstances below that affect your ability to purchase health insurance coverage, you may qualify for a “hardship” exemption: 

• You were homeless. 
• You were evicted in the past 6 months or were facing eviction or foreclosure. 
• You received a shut-off notice from a utility company. 
• You recently experienced domestic violence. 
• You recently experienced the death of a close family member. 
• You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property. 
• You filed for bankruptcy in the last 6 months. 
• You had medical expenses you couldn’t pay in the last 24 months. 
• You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member. 
• You expect to claim a child as a tax dependent who’s been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child. As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace.
• You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid under the Affordable Care Act.

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