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.

If you’re still interested in exemptions for the 2015 tax year, visit our 2015 exemptions page.

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 have qualifying health 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