Health Insurance who not pay a fine?

As the law says, if an individual is able to pay for health coverage and you do not, you will pay the equivalent of 2% of their annual income or $ 325 per adult, by 2015. For every child who does not have coverage, you must pay $ 162.50. These values will increase year by year.

Who qualifies for an exemption?

  • According to the official site healthcare.gov, the following persons may request an exemption from ‘Pay Shared Responsibility’ or fine:
  • If you have been uninsured for less than three months: for example, if your coverage ended two months before the end of 2014 but then you renewed.
  • If the cheapest plan means more than 8.05% of your household income.
  • If you do not pay taxes because it touches your income is very low.
  • If you are a member of a federally recognized tribe or are eligible for services through a provider Indian Health Services.
  • If you are a member of a health care sharing ministry officially recognized.
  • If you are a member of a religious sect officially recognized, and that questions on religious grounds covering health insurance, Social Security and Medicare.
  • If you are incarcerated and are not expecting any immediate resolution of your case to break free.
  • If you are not lawfully present in the United States.

Exemptions difficulties

  • If you are going through any of the situations described below, you do not have to pay a fine:
  • If you are homeless.
  • If you were evicted in the last 6 months or you are facing a foreclosure.
  • If you received a disconnect notice from a utility company – utility company – (power or water, for example).
  • If you were a victim of domestic violence recently.
  • If you had recently lost a close relative.
  • If your house was substantially damaged by fire, flood or other natural disaster or manmade.
  • If you first declared bankruptcy in the last 6 months.
  • If you could not pay your medical expenses in the last 24 months.
  • If you have experienced an increase in costs for health expenses needed by a family (due to illness, disability or old age).

If you were to claim a child as a dependent on your taxes and that child / she was denied to him Medicaid or CHIP, and also other person must answer for health expenses of the child. In this case, you do not have to pay the fine for the child.

As a result of an appeal decision eligibility, you are eligible to enroll in a qualified health plan (QHP English) through the market, reduced costs in your premiums monthly, or cost sharing reduced for a period of time in which no you were enrolled in a plan QHP through the market.  If you do not qualify for Medicaid because your state is not expanded coverage of Medicaid eligibility under the Health Care Act.

How do I apply for an exemption from fine?

There are different ways to process a payment exemption for Shared Responsibility or a fine for not having insurance. And this depends on each situation, namely: If you are applying for exemption because health coverage exceeds 8.05% of your annual family income, because you are a member of a ministry of care shared health.

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