The New ObamaCare Hardship Exemptions Mean Health Insurance Is No Longer Mandatory



Good news for everyone who can’t afford ObamaCare: the hardship exemption means anybody and everybody can easily avoid the IRS penalty in 2014 for not having insurance.

So far ObamaCare has clearly been a nightmare for the whole country and the President has had to make numerous exemptions, extensions, and concessions to keep the law alive. People everywhere have been struggling for months to make sure they have health insurance after their existing policies were cancelled. Many Americans are finding out that contrary to what the President has said, many ObamaCare policies are significantly more expensive than the plans that were replaced and in some cases just plain unaffordable.

But if you don’t have insurance by March 31, 2014 you will get a fine from the IRS (they call it the Shared Responsibility Payment) that will be deducted from your 2015 taxes right? What can you do?

Now it seems there is no longer a need to worry about being fined by the IRS if you fail to get on an ObamaCare plan. On the healthcare.gov exemption page you will see #13 and #14 which can easily apply to anyone.

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Each of those two scenarios can now be used as a valid reason why you don’t have health insurance or were unable to sign up to ObamaCare. To use either of the above exemptions or any other exemption, you will need to fill out this form next year at tax time.

The word “believe” in #13 is obviously subjective and if you think the Obamacare plans are too pricey, that is apparently reason enough to not have insurance. All you have to do is to provide a copy of a letter showing your old policy was cancelled.

#14 is even easier to use as EVERYONE has had trouble using the healthcare.gov website which was totally inoperable for many months. The form requires no documentation to use this hardship and all you have to say is that you were ultimately unable to sign up to ObamaCare because the website was so poorly constructed.

It has been a stressful time for all Americans who have been impacted by ObamaCare. Many have lost sleep trying to deal with an inoperable website combined with higher insurance rates, higher deductibles, and insurance companies that are just as confused as the rest of us. But now, if you still fall into the category of “needing insurance” and are worried that you will face an IRS fine next year as well, you should take comfort in knowing that the new hardship extensions (#13 and #14) will mean that you will be able to avoid all penalties.