Hardship Exemption

Under the Affordable Care Act, most people must pay a fee if they don't have health coverage that qualifies as "minimum essential coverage." One exception is based on showing that a "hardship" prevented them from becoming insured. Some hardship exemptions include: homelessness, received a shutoff notice from a utility company, experienced domestic violence, death of a family member, filed for bankruptcy, etc.

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ACA Exemptions