The fee for not having health insurance (sometimes called the "Shared Responsibility Payment" or "mandate”) ended in 2018. This means you no longer pay a tax penalty for not having health coverage. If you don’t have health coverage, you don’t need an exemption to avoid paying a tax penalty.
However, you may be able to get a Catastrophic plan if available in your area if one of these applies to you:
- Under 30 years
- Over 30 years and don't qualify for savings on a Marketplace plan
- You qualify for a hardship or affordability exemption
Learn about exemptions and Catastrophic coverage.
Live in California, the District of Columbia, or Maryland?
These states have their own exemptions processes. Visit their websites to apply for an exemption:
- If you live in California, visit Covered California.
- If you live in the District of Columbia, visit DC Health Link.
- If you live in Maryland, visit Maryland Health Connection.