Most people must have qualifying health coverage or pay a fee for the months they don’t have insurance. But if you qualify for a health coverage exemption you don’t need to have health insurance or pay the fee.

Find health coverage exemptions that may work for you

Answer a few questions to see health coverage exemptions that may apply to you. We’ll tell you how to apply for each one.

3 important facts about health coverage exemptions

  • 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 some health coverage exemptions on your federal tax return. Others you apply for with a paper application.
  • You don’t have to pay the fee for any month you’re covered by a plan that qualifies as minimum essential 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