Obamacare Exemptions

The Infographic to the right highlights a number of personal situations that exempt Americans from the individual responsibility requirement — better known as the health insurance mandate.

Obamacare Exemptions include:

  • You have been uninsured for less than three months in current year
  • You are the member of a recognized healthcare ministry
  • The least expensive QHP is more than 8% of your household income
  • Your income is low enough so that you do not need to file a tax return
  • You belong to a Federally recognized Indian Tribe
  • You are incarcerated
  • You are not lawfully present in the United States
  • You belong to a religious sect with religious objections to health insurance.

In addition, there are a number of "hardship" exemptions, that in some cases are difficult to document, including:

  • You were homeless
  • you received a shut off notice from utility provider
  • You recently experienced a death of family member
  • You filed for bankruptcy in past 6 mo.
  • You had unexpected inc. in expenses to care for ill, disabled, or aging family member
  • You lost individual insurance plan was cancelled and other Obamacare options are unaffordable
  • You were evicted in past 6 mo. or facing eviction or foreclosure.
  • You are victim of domestic violence
  • You experienced natural disaster or fire or flood that caused major damage to your property
  • You had medical expenses you couldn't pay in past 2 yrs.
  • You were ineligible for Medicaid because your state didn't expand Medicaid under ACA
  • You experienced another hardship in obtaining health insurance

among others.