Starting with the 2019 plan year (for which you’ll file taxes by July 15, 2020), the fee for not having health insurance no longer applies. If you don’t have coverage during 2019 or later, you don’t need an exemption in order to avoid the penalty. The content on this page applies to exemptions from the fee for 2018.

Through the 2018 plan year, most people must have had qualifying health coverage or pay a fee (sometimes called the “mandate,” “Shared Responsibility Payment,” or “penalty”) for the months they didn’t have insurance.

But if you qualify for a health coverage exemption you don’t need to pay the fee.

Find 2018 health coverage exemptions that may work for you Answer a few questions to see exemptions that may apply to you for the 2018 plan year. We’ll tell you how to apply for each one. FIND EXEMPTIONS

Exemptions for 2019 and beyond

For the 2019 plan year, the Shared Responsibility Payment (“mandate,” “penalty”) no longer applies. You don't need an exemption for 2019 or beyond.

If you’re 30 or older and want a “Catastrophic” health plan, see details about exemptions and catastrophic coverage.

If you live in Maryland, visit Maryland Health Connection for information on exemptions.

If you live in the District of Columbia, visit DC Health Link.

If you live in California, visit Covered California for information on 2020 exemptions and beyond.

3 important facts about health coverage exemptions for 2018

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 most health coverage exemptions on your federal tax return. Some require you to fill out and mail an application to the Marketplace.

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

If you're not exempt: