Are you Low-Income and Uninsured? KNOW YOUR RIGHTS

Authored By: Florida Legal Services, Inc.

Information about whether you can avoid a tax penalty for being uninsured based on your income.

Background

The Affordable Care Act (ACA or Obamacare) requires everyone to have health insurance or pay a tax penalty. But you don’t have to pay, for example, if:

  • You tried to apply for Obamacare but it was too expensive for your income level. 
  • You tried to apply for Medicaid but were not eligible.
  • You had health insurance but can no longer afford it.

FAQ

How can an "exemption" help you?

  • If you have low income but you still file taxes (or apply for an earned income tax credit), you will need an exemption to avoid paying a penalty for not having insurance.
  • If your income goes up later this year and you qualify for help paying for health insurance through Obamacare, having the exemption will allow you to get health insurance before the next open enrollment period. But you must first get the exemption before you can qualify for this special enrollment period (SEP).

Where do you go to get an exemption?

  • Contact your local assister organization (someone who can answer questions and help with the forms) can be found at https://localhelp.healthcare.gov or by calling 1-800-318-2596.
  •  If you have any difficulty getting an exemption, contact Florida Legal Services at 305-455-7980 and leave a message with your name, number, and brief explanation of your difficulty.

Updated: April 18, 2017 

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