My wife and I moved from California to Wyoming in January 2017. I began an associate's program and did not work until roughly August, but just every other weekend. She began working part-time in July for one company and then part-time in September for a second company, so neither employer offered healthcare. We made a less than $11,000 all of last year. So we didn't have income until about July 2017. I paid for a short-term, noncompliant, unqualified healthcare plan each month because Wyoming doesn't provide much of a healthcare plan choice I was told by those working in this field, and when I searched for plans they were all to expensive for us to afford.
Can we get an exemption so we are not penalized by the IRS?
In the Premier software, I see this:
"What if a hardship kept me from getting insurance?
If one of the following hardships or situations kept you from getting health insurance in 2017, you can apply for a penalty exemption after you file your taxes. If approved, you'll qualify to get back all or some of your penalty. It works like a rebate.
Had health insurance plan issues
- Health insurance company canceled plan.
- Appealed Marketplace denial and won.
Faced financial hardship
- Couldn't pay medical bills.
- Got a utility shut-off notice.
- Filed for bankruptcy.
- Home damaged in fire, flood or other disaster.
- Was evicted or foreclosed on.
- Homeless now or last year.
Had another situation
- Family member passed away.
- Was caring for an ill, disabled or aging family member.
- Suffered domestic violence.
- Someone else was required to insure my dependent.
- Served in AmeriCorps (State, National, VISTA or NCCC).
- Member of a religious sect opposed to insurance."
Are these hardships all inclusive? It doesn't mention a situation like ours.
And since we moved, that is a life-changing event, right?
We would get a certain amount of time that we would not be penalized, right?
Thanks for your help!
