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posted May 31, 2019 11:25:51 PM

My family had health insurance for all 12 months. However, 9 of those months were under a non-ACA compliant plan. How do I answer the "Did you have health insurance in 2016" question?

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Employee Tax Expert
May 31, 2019 11:25:53 PM

If your coverage was non-ACA compliant, then you would answer 'I had it for part of 2016', then enter the 3 months that your coverage met one of the plans below.

What counts as health insurance:

  • Your employer (employer-sponsored health insurance, or insurance through your work, your spouse's or parent's work)
  • A state, federal or private Health Insurance Marketplace (including Healthcare.gov, and plans purchased through state Marketplaces, which are also known as exchanges)
  • Health plans offered by a college or university you’re enrolled in that began on or after December 31, 2015
  • Your parent’s health insurance plan (if you’re under 26 years old)
  • The Medicaid program in your state (Medi-Cal, MassHealth, Medical Assistance Program, SoonerCare, TennCare, MaineCare, HuskyHealth, etc.)
  • Medicare (at least Part A, Part C or Medicare Advantage)
  • A retirement program from your former employer
  • Veteran’s Administration (VA), CHAMPVA, or TRICARE
  • The Children’s Health Insurance Program (CHIP) in your state 
  • A union that you’re a member of
  • The Peace Corps
  • COBRA
  • Refugee Medical Assistance (RMA)
  • The Nonappropriated Fund Health Benefit Program
  • State high-risk pools for plan or policy years that begin on or before December 31, 2015
  • A private plan purchased from a health insurance company such as Kaiser, UnitedHealth, Aetna, Humana, Blue Cross, Blue Shield, etc.
  • Other coverage recognized by the Department of Health & Human Services as minimum essential coverage
  • A combination of any of the above that doesn't result in a coverage gap of 3 months or more or more than one coverage gap during the year