#Our support team is receiving high volumes, so you may experience a delay in response. In the meantime, our Help Center may have the answers you’re looking for. ×

How do I know if I qualify for a health coverage exemption?

The Individual Shared responsibility Provision of the Affordable Care Act (ACA) requires that taxpayers have qualifying health coverage throughout the year, qualify for an exemption, or make a shared responsibility payment with their federal tax returns. 

Go to this section in Credit Karma Tax:Household Healthcare Coverage

You might qualify for a hardship exemption if you experience a life situation such as a bankruptcy or the death of a family member which prevented you from getting health insurance.

Hardship exemptions usually apply to the month before the hardship until the month after the hardship.

You can claim most health coverage exemptions when you file your taxes. The IRS provides resources on Exemptions: Claiming or Reporting to help you determine what you need to claim an exemption.

For certain hardship exemptions you will need a Exemption Certificate Number (ECN) that you receive after being approved by the Health Insurance Marketplace. Forms and application information are available on healthcare.gov

Check the full list of coverage exemptions to see if you might qualify.


Was this article helpful?

Avez-vous encore des questions? Contactez l’assistance aux membres

Still have questions? Contact member support

Continue your tax filing