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Taxes, Fees & Exemptions
To be eligible to enroll in health coverage through the Marketplace, you:
If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. Learn more about Medicare and the Marketplace.
U.S. citizens living in a foreign country for at least 330 days of a 12-month period are not required to get health insurance coverage for that 12-month period. If you're uninsured and living abroad under this definition, you qualify for a health insurance exemption. This means you don’t have to pay the fee that other uninsured people must pay.
See question 12 on this IRS web page to learn more about the rules for people living abroad.
Generally, health insurance in the Marketplace covers health care provided by doctors, hospitals, and other providers within the United States. If you're living abroad, it's important to know this before you consider buying Marketplace insurance.
If you’re considered a “resident” of the United States for tax purposes, you’re eligible to use the Marketplace.
A U.S. national is someone who’s a U.S. citizen or a person who isn’t a U.S. citizen but owes permanent allegiance to the U.S.
U.S. territories can decide whether to create their own Health Insurance Marketplace or expand Medicaid coverage. Residents of a U.S. territory aren't eligible to apply for health coverage using the federal or state Marketplace unless they also qualify as a resident within the service area of a Marketplace.