Qualifying Health Coverage

Any health insurance that meets the Affordable Care Act requirement for having coverage. If you have qualifying health coverage — sometimes called “minimum essential coverage” or “MEC” — you don’t have to pay the penalty for being uninsured.

Examples of qualifying health coverage include:

  • Health Insurance Marketplace plans
  • Job-based plans
  • Most individual plans bought outside the Marketplace
  • Plans sold through the Small Business Health Insurance Program (SHOP) Marketplace
  • Medicare
  • Medicaid
  • The Children's Health Insurance Program (CHIP)

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