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In reply to the discussion: Want my support for the ACA? Repeal the mandate. [View all]Lars39
(26,109 posts)87. "How do I qualify for an exemption from the fee for not having health coverage?"
https://www.healthcare.gov/exemptions/
Exemptions from the payment
Under certain circumstances, you wont have to make the individual responsibility payment. This is called an exemption.
You may qualify for an exemption if:
Youre uninsured for less than 3 months of the year
The lowest-priced coverage available to you would cost more than 8% of your household income
You dont have to file a tax return because your income is too low (Learn about the filing limit.)
Youre a member of a federally recognized tribe or eligible for services through an Indian Health Services provider
Youre a member of a recognized health care sharing ministry
Youre a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare
Youre incarcerated, and not awaiting the disposition of charges against you
Youre not lawfully present in the U.S.
Hardship exemptions
If you have any of the circumstances below that affect your ability to purchase health insurance coverage, you may qualify for a hardship exemption:
You were homeless.
You were evicted in the past 6 months or were facing eviction or foreclosure.
You received a shut-off notice from a utility company.
You recently experienced domestic violence.
You recently experienced the death of a close family member.
You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
You filed for bankruptcy in the last 6 months.
You had medical expenses you couldnt pay in the last 24 months.
You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
You expect to claim a child as a tax dependent whos been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child.
As a result of an eligibility appeals decision, youre eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you werent enrolled in a QHP through the Marketplace.
You were determined ineligible for Medicaid because your state didnt expand eligibility for Medicaid under the Affordable Care Act.
Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable.
You experienced another hardship in obtaining health insurance.
*********************************************************
More info at link: https://www.healthcare.gov/exemptions/
Exemptions from the payment
Under certain circumstances, you wont have to make the individual responsibility payment. This is called an exemption.
You may qualify for an exemption if:
Youre uninsured for less than 3 months of the year
The lowest-priced coverage available to you would cost more than 8% of your household income
You dont have to file a tax return because your income is too low (Learn about the filing limit.)
Youre a member of a federally recognized tribe or eligible for services through an Indian Health Services provider
Youre a member of a recognized health care sharing ministry
Youre a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare
Youre incarcerated, and not awaiting the disposition of charges against you
Youre not lawfully present in the U.S.
Hardship exemptions
If you have any of the circumstances below that affect your ability to purchase health insurance coverage, you may qualify for a hardship exemption:
You were homeless.
You were evicted in the past 6 months or were facing eviction or foreclosure.
You received a shut-off notice from a utility company.
You recently experienced domestic violence.
You recently experienced the death of a close family member.
You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.
You filed for bankruptcy in the last 6 months.
You had medical expenses you couldnt pay in the last 24 months.
You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
You expect to claim a child as a tax dependent whos been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child. In this case, you do not have the pay the penalty for the child.
As a result of an eligibility appeals decision, youre eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premiums, or cost-sharing reductions for a time period when you werent enrolled in a QHP through the Marketplace.
You were determined ineligible for Medicaid because your state didnt expand eligibility for Medicaid under the Affordable Care Act.
Your individual insurance plan was cancelled and you believe other Marketplace plans are unaffordable.
You experienced another hardship in obtaining health insurance.
*********************************************************
More info at link: https://www.healthcare.gov/exemptions/
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Not going to happen. You need to talk with a private insurer to get nationwide coverage. nt
MADem
Mar 2014
#1
Shocking that you think that is a good point of negotiation to get where you want this to go...
VanillaRhapsody
Mar 2014
#7
I doubt if you are a 23 year old mom with three jobs but just in case you are....
Walk away
Mar 2014
#94
No, my problem is different, but my position on mandates has nothing to do with ME...
Demo_Chris
Mar 2014
#98
Actually no, if there is no mandate and pre-existing conditions have to be covered
mythology
Mar 2014
#130
I replied to the above poster who tried to use the tired car insurance analogy
BuelahWitch
Mar 2014
#13
It's sufficient for a large percentage of the MALE population age 20-40. WOMEN HAVE BABIES...
Hekate
Mar 2014
#62
Define "we" when you say it. As for me, I am concerned with the other 50 states too, not just Calif
Hekate
Mar 2014
#65
Well you can choose not to drive but you can't choose to not be an ER liability.
phleshdef
Mar 2014
#111
Most of the country is nothing like NYC or LA or Chicago in terms of public transportation.
phleshdef
Mar 2014
#112
Why, so you can game the system and buy in when you need it? Sign up with a not-for-profit, or do
Hoyt
Mar 2014
#10
Good, I see you've figured out how to game the system and let others pay to help it work.
Hoyt
Mar 2014
#22
I like what we have now considering things. And a mandate is the only way to make it work
Hoyt
Mar 2014
#46
They require the financially able to pay a tax/fine when they don't have insurance.
phleshdef
Mar 2014
#29
Well, unless you have a supplemental, there is no out-of-pocket cap on traditional Medicare. And
Hoyt
Mar 2014
#84
New York tried a system where insurers were required to accept anyone who applied
Nye Bevan
Mar 2014
#23
And even single payer would have a mandate, it would just be tax based instead of premium based.
phleshdef
Mar 2014
#32
Single payer would bring with it the ability to negotiate rates with the healthcare industry
Jesus Malverde
Mar 2014
#39
NOT having to pay a middleman for administration and profit is a huge win
Jesus Malverde
Mar 2014
#48
I think ACA actually codifies the broken system into our government rather than give
Jesus Malverde
Mar 2014
#51
"The private insurance system was headed for collapse before this law came into effect"
phleshdef
Mar 2014
#52
If the government is a criminal cartel that gets over by denying care then we should replace it.
TheKentuckian
Mar 2014
#61
Taxes are much more progressive (in the technical sense) than insurance fees.
Donald Ian Rankin
Mar 2014
#120
One of my biggest problems with the ACA is that it brings millions of customers to the insurers
Jesus Malverde
Mar 2014
#36
I think competition adds that incentive. If another insurer thinks they can handle the population
Hoyt
Mar 2014
#50
No it does not guarantee premiums will go up. Another insurer, such as a hospital not-for-profit
Hoyt
Mar 2014
#54
"We are not going to put your drug on our formulary at that price" is pretty strong.
Hoyt
Mar 2014
#42
He did NOT wish any ill on the OP. He just stated the possible risks. If someone wants to take
lostincalifornia
Mar 2014
#60
won't happen, and they do need a mandate at least the way it exists today
lostincalifornia
Mar 2014
#57
Usually the government will subcontract to private insurance. They do it now for Medicare
lostincalifornia
Mar 2014
#97
Without the mandate, the whole rest of the system is unaffordable to the insurers
jmowreader
Mar 2014
#59
exactly, it spreads the risk. We don't have single payer, and this is what we have, so that is what
lostincalifornia
Mar 2014
#63
But who would fund single payer? Would it be Gilligan or would it be Mr Howell? The ACA...
Demo_Chris
Mar 2014
#70
I am not dodging, all tax payers, including corporations. That is how single payer runs
lostincalifornia
Mar 2014
#96
You are still evading. Who pays what percentage? You think single payer is regressive? nt
Demo_Chris
Mar 2014
#99
WHAT!! I am not legislator, and if you expect a complete plan with details, ask your representative
lostincalifornia
Mar 2014
#100
why is *your* support so important? are you so important that we should change a law for you?
CreekDog
Mar 2014
#133
Insurance mandates date back to 1791. They're one of the oldest ideas in the country.
Recursion
Mar 2014
#76
Other countries employ mandates to get their citizens to get covered privately or pubically.
BenzoDia
Mar 2014
#81
"How do I qualify for an exemption from the fee for not having health coverage?"
Lars39
Mar 2014
#87
If you are willing to sign a waiver refusing all uninsured hospitalizations or emergency services....
peace13
Mar 2014
#102
The mandate is there to force people, who would not otherwise buy, to purchase their product...
Demo_Chris
Mar 2014
#122
Not only ACA, but universal and social health care all require a pool of everyone to pay
Sheepshank
Mar 2014
#125
My grandma spoke Galician. She used to say, "qui tardi piacchi" meaning...
Sarah Ibarruri
Mar 2014
#126
Universal=mandatory. The mandate isn't one of the top 10 flaws with the system. n/t
lumberjack_jeff
Mar 2014
#135
The GOP is playing political theater. I don't care what they pretend to do, I care what's right. nt
Demo_Chris
Mar 2014
#139