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The following list of 2017 Health Coverage Hardships and Exemptions which are accessible via  You must be able to show proof of your hardship when filing your taxes.  Insurance4Dallas recognizes numbers 3, 13, 16, 20 and 23 from the list below as the most common hardships and exemptions.  File using IRS form 8965.


1.) You were homeless during the year.


2.) You were evicted or were facing eviction or foreclosure.


3.) You received a shut off notice form a utility company. (Example)


4.) You experienced domestic violence.


5.) You experienced the death of a family member.


6.) You experienced a fire, flood, or other natural or human-caused disaster that caused substantial damage to your property.


7.) You filed for bankruptcy.


8.) You had medical expenses you couldn’t pay that resulted in substantial dept.


9.) You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.


10.) You expect to claim a child as a tax dependent who’s been denied coverage for Medicaid and CHIP for 2017 and another person is required by court order to give medical support to the child.  In this case you don’t have to pay the penalty for the child.


11.) As a result of an eligibility appeals decision, you’re eligible for enrollment in a qualified health plan (QHP) through the Marketplace, lower costs on your monthly premium, or cost-share reductions for a time period when you weren’t enrolled in a QHP through the Marketplace in 2016.


12.) You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid in 2015 under the Affordable Care Act.


13.) Your individual insurance plan was cancelled after June 30, 2013 and you believe other Marketplace plans are not affordable.


14.) If you experienced another hardship obtaining health insurance.




Income-Related Exemptions


15.) The lowest-priced coverage available to you, through either a Marketplace or job-based plan, would cost more than 8.13% of your household income.


16.) You don’t have to file a tax return because your income is below the level that requires you to file.


Health Coverage-Related Exemptions


17.) You were uninsured for no more than 2 consecutive months of the year.


18.) You lived in a state that didn’t expand its Medicaid program but you would qualified if it had.


Group Membership Exemption


19.) You’re a member of a federally recognized tribe or eligible for service through an Indian Health Services Provider.


20.) You’re a member of a recognized health care sharing ministry.


21.) You’re a member of a recognized religious objections to insurance including Social Security and Medicare.


Other Exemptions


22.) You’re incarcerated (serving a term in prison or jail).


23.) You’re a U.S. citizen living abroad, a certain type of non-citizen, or not lawfully present.


24*.) You currently have 63 essential health benefits via a MEC Plan.


File using IRS form 8965.


*Note: not one of the exemptions listed on



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