Health coverage exemptions: Forms & how to apply

Exemptions from the requirement to have health insurance

The fee for not having health insurance (sometimes called the "Shared Responsibility Payment" or "mandate”) ended in 2018. This means you no longer pay a tax penalty for not having health coverage. If you don’t have health coverage, you don’t need an exemption to avoid paying a tax penalty.
However, if you’re 30 or older and want a
health plan, you must apply for a
hardship exemption
or an
affordability exemption
to qualify. Learn about exemptions and Catastrophic coverage.

Live in California, the District of Columbia, or Maryland?

These states have their own exemptions processes. Visit their websites to apply for an exemption:

Learn more about health coverage exemptions