Hardship exemptions, forms & how to apply

The fee for not having health insurance no longer applies. (The fee is sometimes called the “Shared Responsibility Payment” or “mandate.”) If you don’t have coverage after 2019, you don’t need an exemption to avoid the penalty.

If you are 30 or older and want to buy a “Catastrophic” health plan, you must apply for a hardship exemption to qualify. Learn about hardship exemptions and Catastrophic plans after 2019.

How to apply for a hardship exemption

  • For information on completing an application and submitting documentation for hardship exemption, you may follow the instructions below.

Need a hardship exemption form?

Get instructions for downloading the hardship exemption form, and a link to the form itself.

Hardship exemptions

Following are all hardship exemptions, with links to details, forms, and instructions.

  1. You were homeless
  2. You were evicted or were facing eviction or foreclosure
  3. You received a shut-off notice from a utility company
  4. You experienced domestic violence
  5. You experienced the death of a family member
  6. You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property
  7. You filed for bankruptcy
  8. You had medical expenses you couldn’t pay that resulted in substantial debt
  9. You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member
  10. You claim a child as a tax dependent who’s been denied coverage for Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case you don’t have to pay the penalty for the child.
  11. As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace
  12. You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid under the Affordable Care Act
  13. The exemption for "grandfathered" individual insurance plans is no longer available for 2017 and later
  14. You had another hardship. If you experienced another hardship obtaining health insurance, use this form to describe your hardship and apply for an exemption.