Hardships are financial situations and other circumstances that keep you from getting health insurance. If you qualify for a hardship exemption, you don’t have to pay a fee for the months you were uncovered.
To claim a hardship health coverage exemption, you must fill out an application, print it, and mail it to the Health Insurance Marketplace. If your exemption is approved, you claim it when you file your federal income tax return.
Need a hardship exemption form?
Following are all health coverage exemptions based on hardships. The links below take you to a page with details about each exemption, forms, and instructions.
You were homeless
You were evicted or were facing eviction or foreclosure
You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property
You had medical expenses you couldn’t pay that resulted in substantial debt
You claim a child as a tax dependent who’s been denied coverage for Medicaid and CHIP for 2016, and another person is required by court order to give medical support to the child. In this case you don’t have to 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 in 2016
You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid in 2016 under the Affordable Care Act
Your "grandfathered" individual insurance plan (a plan you’ve had since March 23, 2010 or before) was cancelled because it doesn’t meet the requirements of the Affordable Care Act and you believe other Marketplace plans are unaffordable
You had another hardship. If you experienced another hardship obtaining health insurance, use this form to describe your hardship and apply for an exemption. use this form to describe your hardship and apply for an exemption.
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