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Notice: During the government shutdown, if you have a 2025 health insurance plan, continue using your plan and providers. If you don’t have a plan, you can use this site to apply for and access coverage.
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Affordability exemption

An exemption that’s needed when applying for Catastrophic coverage for people 30 years or older whose coverage is unaffordable. Affordability exemptions are one type of exemption that someone can claim to qualify for Catastrophic Coverage, along with hardship exemptions.
You can qualify for an affordability exemption if the lowest-priced coverage available to you, through either a Marketplace or job-based plan, would cost more than 7.97% of your household income.

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