How to avoid a fine if there is no health insurance

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I want to make a reservation right away - if you have heard somewhere that there are no exceptions and that everyone pays either for insurance or fines for its absence, then most likely the person who provided you with such information does not know the laws in general and the law on compulsory insurance in particular. In this article I will give a few examples of the cases in which you can refuse to pay insurance without the risk of being fined.

However, it should be noted that the presence of insurance in the United States is currently mandatory, and, therefore, not everyone who wants to evade payment for it can legally do so. However, there are a number of certain conditions under which some citizens have the right to refuse to purchase insurance.

So, you are eligible for exemption from compulsory insurance if:

• You do not file a tax return because the amount of your income is too low.
• The lowest cost for medical insurance is more than 8% of your income.
• You are part of a national American tribe.
• Your stay in the USA has no legal status.
• Your religion does not allow you to purchase insurance.
• You are a prisoner.
• You belong to a group of people with life difficulties.

Submission of documents requires a lot of effort, and all forms are different. The required application form depends on what basis you are trying to get an exemption from insurance.

In some situations, such as financial inconsistency, you can request an exemption from insurance directly at the time you fill out annual tax returns. Other situations require special forms that can be found on the website. www.Healthcare.gov. You can also receive instructions on how to fill out the relevant forms.

If you are not a US resident or your income is so low that you do not need to fill out a tax return (and you are not on long-term or permanent material or cash security from others), you are automatically released from the obligation to have insurance and you do not need to apply no documents.

What situations can be classified as temporary life difficulties? (Hardship exemption)

If a person or family for some unexpected reason hardly pays the bills, and sometimes becomes completely indebted to the state, then additional expenses, such as purchasing insurance, will put an unbearable burden on their shoulders. Exemption from insurance for people with life difficulties is associated with some unforeseen incidents or obstacles that make purchasing insurance especially difficult or impossible.

This category may include the following persons:

• People who have been deprived of their property (eviction) or have gone through foreclosure in the last six months.
• People filed for bankruptcy in the last six months.
• Homeless.
• People whom the utility has issued a warning about the termination of the provision of utilities.
• People whose property has been damaged by a flood, fire, or other natural disaster.
• Victims of domestic abuse.
• People who were not eligible for Medicaid because the state could not provide it.

In addition to the above, in the following situations you can also get an exemption from insurance:

• Your previous health insurance has been canceled, and plans offered in the Marketplace are not available to you at a price.
• You have a huge and unforeseen additional costs for looking after a sick person, a person with disabilities or elderly family members.
• You have lost a close family member.
• According to the appeals decision, you are now entitled to cheaper health insurance, but you can also be without insurance at the time of filing.
• The other parent is obliged to pay for your child’s health insurance, which frees you from paying a fine for not having your child’s insurance.
• You have other difficulties while receiving health insurance.

This type of exemption is usually given for a period of one or several months, although, in certain cases, it can be extended to one calendar year.

Filing an application requires filling out a special form, which can be found on the website: www.healthcare.gov

There you can also read the necessary instructions for filling out. Alternatively, you can call: (800) 318-2596 for a personal consultation.

You have applied for release. What's next?

If you have applied for exemption from compulsory insurance due to your situation, for example, in the case of the difficulties listed above, you will have to wait for your Marketplace status notification. How quickly this happens depends on whether your application is filled out correctly, how complicated your situation is and whether any additional information is needed.

If your application is confirmed, you will receive a notification with the number of the certificate that will be needed when submitting your tax return. If your application is rejected, you can appeal this decision.

Unfortunately, the absence of such a special exemption from the obligation to pay insurance threatens you with a fine.

Shared Responsibility Payment is a fine that Americans must pay if they can afford health insurance, but they don’t buy it.

Those who do not purchase insurance in the 2016 year face a fine of $ 695 per family member or 2.5% of their income, whichever is greater.

The Affordable Care Act was created to provide health care for all, but not everyone was able to take part in it. Exemption from the obligation of insurance allows you to do without health insurance and not be fined for it.

To summarize, I would like to wish everyone health and well-being in the coming year. Do not forget that health is more important than material goods, and, therefore, if your financial condition allows you to purchase insurance, then do not take risks, do not try to outwit the law - unfortunately, sooner or later, such a risk will be felt. If for some reason you cannot afford insurance at the moment, remember that there are legal ways to avoid fines. Take care of yourself and your loved ones.

See also:

Medical insurance in the USA: how to start a choice

The cost of medicine in the United States over 15 years has tripled

In the United States began to calculate those who cheat with medical insurance

Who can get Medicare and Medicaid

How to reduce the bill for treatment in an American hospital

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