Health coverage exemptions, forms & how to apply
If you qualify for a health coverage exemption, you don’t have to pay the fee for the months you didn’t have health coverage.
Find health coverage exemptions that may work for you
Answer a few questions to see health coverage exemptions that may apply to you. We’ll tell you how to apply for each oneHARDSHIP EXEMPTION PDF (Requires Adobe PDF Reader) Below are health coverage exemptions for the 2016 tax year.
- You can claim most exemptions when you file your 2016 federal income tax return.(attach IRS form 8965)
- In a few cases you need to fill out an application and mail it to the Marketplace. These are marked “application required” below.
Exemptions, forms & how to apply
Follow the links below for exemption details, application forms, and instructions.
- The lowest-priced coverage available to you, through either a Marketplace or job-based plan, would cost more than 8.13% of your household income. Get details about the Marketplace affordability exemption or the job-based affordability exemption.
- You don’t have to file a tax return because your income is below the level that requires you to file. Learn how to claim the exemption if your income is below the tax filing threshold.
- You had a financial hardship or other circumstancess that prevented you from getting health insurance. Application required. See all hardship exemptions and get the application form.
Health coverage-related exemptions
- You were uninsured for no more than 2 consecutive months of the year. Get details about the short gap exemption.
- You lived in a state that didn’t expand its Medicaid program and your household income was below 138% of the federal poverty level. Get details about this exemption.
Group membership exemptions
- You’re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider. Get details about the Indian health coverage exemption.
- You’re a member of a recognized health care sharing ministry. Get details about the health care sharing ministry exemption.
- You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare. Application required. Get forms and details for the religious exemption.
- You’re incarcerated (serving a term in prison or jail). Get details about the incarceration exemption.
- You’re a U.S. citizen living abroad, a certain type of non-citizen, or not lawfully present. (Learn more about the definition of “lawfully present.”) Get details about the U.S. citizen abroad exemption or the non-citizen exemption.
- A member of your tax household was born or adopted during the year. This exemption applies only to the month of the event and the month before. You can claim this exemption only if you’re also claiming another exemption.
- A member of your tax household died during the year. This exemption applies only to the month of the death and the month before. You can claim this exemption only if you’re also claiming another exemption.