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Oct 21, 2022 · To qualify for a hardship exemption a person must provide evidence of a special circumstance that prevented the individual from purchasing or maintaining minimum essential health coverage (also referred to as “qualified major medical insurance”).
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Hardship exemptions are one type of exemption that someone can claim to qualify for Catastrophic coverage, along with affordability exemptions. Learn about hardship exemptions by reviewing the definition in the HealthCare.gov Glossary.
Hardship exemptions. You can qualify for this exemption if you had a financial hardship or other circumstances that prevented you from getting health insurance. What counts as a hardship? You were homeless. You were evicted or were facing eviction or foreclosure. You got a shut-off notice from a utility company. You experienced domestic violence.
Under the Affordable Care Act, everyone who can afford to is now required by law to have health coverage. If you can afford health coverage but chose not to buy it, you may have to pay a fee. However, those who can’t afford coverage or meet other conditions may qualify for an exemption.
Apr 30, 2024 · This page will teach you what is considered a hardship, how you can get a hardship exemption, and when you’d need to use one. How Would You Use a Hardship Exemption? The primary use for hardship exemptions in 2019 or later is to enter a catastrophic plan after turning 30 years old.
Step 1: Identify the correct form for you. Right-click this exemption application form (PDF, 1.2 MB) link for hardship exemptions, like homelessness, bankruptcy, eviction, or foreclosure. Right-click this exemption application form (PDF, 1.1 MB) for affordability exemptions AND residency in:
Hardship exemptions are tough life situations that have aided in preventing you from getting health insurance. For some of these hardships, you’ll have to include proof of the situation in your application, such as a notice from a power company that your utilities were shut off.
