What Are Hardship Exemptions?

Life situations may prevent you from getting health insurance. If you have experienced one of these situations, you may not be penalized for not carrying a health insurance plan. However, in order to avoid the tax penalty, you must apply for a hardship exemption. Hardship exemptions are not difficult to apply for, but you may need to have proof when filling out your application.

Who Can Qualify for Hardship Exemptions?

In order to qualify for a hardship exemption, you must have gone through, or be going through, one of thirteen possible situations:

  1. You were homeless
  2. You were evicted in the past 6 months or were facing eviction or foreclosure
  3. You received a shut-off notice from a utility company
  4. You recently experienced domestic violence
  5. You recently experienced the death of a close family member
  6. You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property
  7. You filed for bankruptcy in the last 6 months
  8. You had medical expenses you couldn’t pay in the last 24 months that resulted in substantial debt
  9. You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member
  10. 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
  11. You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid under the Affordable Care Act
  12. Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable

Are There Other Options for Affordable Health Insurance?

If you don’t qualify for any hardship exemptions, there are still options for affordable health insurance. Find a local, licensed insurance agent help you find affordable health insurance or call us at (800) 304-3414.


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