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Health coverage exemptions: Forms & how to apply

After you apply for a health coverage exemption

After you mail your exemption application to the Marketplace, we’ll contact you if we need more information. If we don't reach you by phone, we'll send a letter.

How soon will I get a decision?

Our response time depends on:
  • How complicated your request is
  • Whether you filled out all the information we need
  • Whether you submitted documents with your application
To speed up the process, submit the documents we ask for with your exemption application. Check that you’ve answered all questions and provided all information before you put it in the mail.
If you get a letter or a phone call asking for more information, provide it right away.
If you don’t hear from us within 30 days, contact the Marketplace at 1-800-318-2596. TTY users can call 1-855-889-4325.
After we process your application, we'll send you a letter with our decision.
If approved:
You'll get an exemption approval number (called an "Exemption Certificate Number (ECN)") for each person approved to enroll in a
. The letter will tell you when the exemption ends.
To enroll in a Catastrophic plan:
  1. Log into your Marketplace account and select your application.
  2. Select "Exemptions" to enter your approval number.
  3. View and pick a Catastrophic plan that meets your needs.
You may have to reapply for an exemption if you update or start a new Marketplace coverage application.
If your state has its own Marketplace, check with them for how to provide your approval number. Some state-based Marketplaces only use part of the number.
If denied:
If you or other members of your tax household don't qualify for the exemption, the letter will explain why.
If you don't agree with an exemption decision, you can file an appeal. Go to how to appeal a Marketplace decision.
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