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Obamacare Penalties, Exemptions & Being Uninsured

Learn about the penalty for being uninsured,how to avoid that penalty with a health insurance exemption,and the Affordable Care Act's mandates.

Can You Get a Health Insurance Exemption?
If you don’t want to pay a penalty, you’ll either have to have health insurance after December 31,2013, or you’ll have to get a health insurance exemption certificate. Learn who qualifies for a health insurance exemption, how to get an exemption certificate, and how to avoid the Affordable Care Act's health insurance penalty.

How To Get a Hardship Exemption From Health Insurance
Don't qualify for the other exemptions? The hardship exemption covers more common situations. Learn what qualifies for a hardship exemption and how to apply.

How To Apply for a Health Insurance Exemption
Think you're eligible for an exemption from health insurance? Learn how to apply based on which type of health insurance exemption you're eligible for.

How Much Is the Health Insurance Penalty for an Individual?
How much is your penalty for not having health insurance? Learn to calculate your individual mandate penalty accurately so you'll know exactly what you owe. Don't rely on simple charts and estimates that can be off by hundreds or even thousands of dollars. Figure out your individual penalty based on your own specific circumstances. See examples of how to calculate the health insurance penalty.

How Much Is the Family Health Insurance Penalty?
How much is the penalty tax when your family doesn't have health insurance? Learn to accurately calculate your family’s health insurance penalty so you’ll know what you owe. Don't rely on simple charts and estimates which can be off by hundreds or even thousands of dollars. Figure the penalty accurately based on your family's unique set of circumstances.

Why Not Wait Until I'm Sick to Buy Health Insurance?
Want to wait to buy health insurance until you need to use it? Think you’ll save money? Think because the Affordable Care Act guarantees you the right to buy health insurance, this plan is foolproof? Think again. There are three reasons why waiting to buy health insurance won’t work.

Health Insurance Mandate
One of the more controversial parts of the health reform legislation is the issue of a health insurance mandate – the requirement that, starting in 2014, all Americans must have healthcare coverage. The vast majority of people in this country have health insurance through work or a public plan such as Medicare and Medicaid.

9 Things to Know About the Health Insurance Penalty
The penalty is a percentage of your income, but only part of your income counts. You'll pay the health insurance penalty for your uninsured dependents, too.

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