Most people who didn't have qualifying health coverage in 2015 must either pay a fee or get a "health coverage exemption."
Exemptions are available based on a number of circumstances, like certain hardships, some life events, health coverage or financial status, and membership in some groups. If you qualify and get an exemption, you don't have to pay the fee.
If you didn't have coverage for some or all months of 2015, use our exemption tool by using the button below to find health coverage exemptions that may work for you. Just answer a few questions, and we'll show you:
- Exemptions that may apply to you, including one you may claim on your tax return if insurance is unaffordable to you
- Details to help you see if you qualify
- Step-by-step instructions for how to apply, including links to forms you need
Important: While the tool provides a lot of useful information, it's not an exemption application. It can only show you if one of the health care exemptions may work for you, and how to apply.
Learn more about how to apply for an exemption.
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