Get Coverage Fees-exemptions

Plan types that count as coverage

To avoid the penalty for being uncovered you must have insurance that qualifies as minimum essential coverage.

Health plans that qualify as minimum essential coverage

If you're covered by any of the following types of plans, you're considered covered under the health care law and don't have to pay a penalty or get a health coverage exemption.

See a more detailed list of types of plans that do and don’t count as minimum essential coverage from the IRS

Health plans that don't count as coverage

Some products that help pay for medical services don't qualify as minimum essential coverage. If you have only this kind of product, you may have to pay the fee. Examples include:

  • Coverage only for vision care or dental care

  • Workers' compensation

  • Coverage only for a specific disease or condition

  • Plans that offer only discounts on medical services

Common questions

The penalty is 1/12 of the annual amount for each month you or your tax dependents don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all. Learn about the “short gap” exemption.

Any plan that qualifies as minimum essential coverage qualifies counts.
Before you buy, be sure that the plan you’re interested in qualifies as minimum essential coverage.
If the plan qualifies as minimum essential coverage, you won't have to pay the fee — even if you bought it outside the Marketplace. This is true if you buy a plan directly from an insurance company, from a commercial online service, or through an agent or broker.

Ready to obtain the right health insurance? Check your eligibility for free or low cost health insurance through the marketplace in 4 simple steps...