The act of just losing your job and being without coverage for 4 months does not qualify you for a listed exemption. However, depending on your specific circumstances there may be other factors that do qualify for a partial or full exemption of the Shared Responsibility Payment.
Following are all health coverage exemptions based on hardships. The links below take you to a page with details about each exemption, forms, and instructions.
- You were homeless
- You were evicted or were facing eviction or foreclosure
- You received a shut-off notice from a utility company
- You experienced domestic violence
- You experienced the death of a family member
- You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property
- You filed for bankruptcy
- You had medical expenses you couldn’t pay that resulted in substantial debt
- You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family membe...
- You expect to claim a child as a tax dependent who’s been denied coverage for Medicaid and CHIP for 2015, 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.
- 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 in 2015
- You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid in 2015 under the Affordable Care Act
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Your individual insurance plan was cancelled after June 30, 2013 and you believe other Marketplace plans are unaffordable
- If you experienced another hardship obtaining health insurance, use this form to apply for an exemption with the Marketplace (PDF)
