Under the law, you are required to have health insurance, unless your income is below the federal poverty level (currently $11,490 a year for an individual and $23,550 for a family of four) and you live in a state like Maine that did not expand its Medicaid program. Those who don’t have health insurance could face a fee (or penalty). There are some exemptions to the penalty, however. They include those who:
Are uninsured for less than 3 months of the year.
Are determined to have very low income and coverage is considered unaffordable.
Are not required to file a tax return because their income is too low.
Would qualify under the new income limits for Medicaid, but their state has chosen not to expand Medicaid eligibility.
Are a member of a federally recognized Indian tribe.
Participate in a health care sharing ministry.
Are a member of a recognized religious sect with religious objections to health insurance.
If you don't qualify for these situations, you can apply for an exemption asking not to pay a fee.