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.