With implementation of Obama Care also known as Affordable Care Act, Most people will be required to have health insurance coverage starting January 2014. Usually people will buy insurance from health insurance exchanges since these will provide health care premium subsidies for certain income group.This law requires that one has health insurance coverage or pay a penalty when they file tax return. But there are few exceptions and following people are not required to have health insurance and also they do not need to pay penalty:


  • People who would have to pay more than 8% of their income for lowest cost health insurance.
  • People with incomes below the threshold required for filing taxes (in 2009, $9,350 for a single person and $26,000 for a married couple with two children),
  • Those who qualify for religious exemptions,
  • Undocumented immigrants
  • People who are incarcerated
  • Members of Indian tribes
Looking for Affordable Health Insurance? You can use this SINGLE PAGE form to get affordable health insurance quotes outside exchange and save money. If you are above 64 years, then use this link to Get FREE Medicare quotes from the most trusted carriers. (Both, our recommended affiliate links)