No health coverage in 2015? Find out if you have to pay a fee

Published on February 12, 2016

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:
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.