Exemptions from the requirement to have health insurance

Starting with the 2019 plan year (for which you’ll file taxes by July 15, 2020), the fee for not having health insurance no longer applies. If you don’t have coverage during 2019 or later, you don’t need an exemption in order to avoid the penalty. The content on this page applies to exemptions from the fee for 2018.

  • Through the 2018 plan year, most people must have had qualifying health coverage or pay a fee (sometimes called the “mandate,” “Shared Responsibility Payment,” or “penalty”) for the months they didn’t have insurance.
  • But if you qualify for a health coverage exemption you don’t need to pay the fee.

Find 2018 health coverage exemptions that may work for you

Answer a few questions to see exemptions that may apply to you for the 2018 plan year. We’ll tell you how to apply for each one.

Exemptions for 2019 and beyond

3 important facts about health coverage exemptions for 2018

  • Exemptions are available based on a number of circumstances, including certain hardships, some life events, health coverage or financial status, and membership in some groups.
  • You claim most health coverage exemptions on your federal tax return. Some require you to fill out and mail an application to the Marketplace.
  • You don’t have to pay the fee for any month you have qualifying health coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee for any month.

Learn more about health coverage exemptions

If you're not exempt: