To be exempt from paying the fee, you must apply for this exemption through your state’s health insurance marketplace. To find your state’s Marketplace and more information about them, go to www.healthcare.gov/marketplace/individual
It’s important to remember that even if you do not have to pay the fee, if you do not have health coverage you will have to pay for your health care out of your pocket. It may be better financially for you if you purchase coverage through your state’s Marketplace.
Most people must have health coverage or pay a fee (also known as “the penalty,” the “individual shared responsibility payment,” or the “individual mandate”). Under some circumstances, you won’t have to make the payment. This is called an “exemption.”