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Is anyone excused from the individual mandate?

You may not have to pay a fine if:

  • You cannot find insurance that costs less than 8% of your household income after tax credits and any contributions by your employer are applied,
  • You are a Native American, religious objector, or incarecerated,
  • You uninsured for less than 3 months in a year,
  • Your household income is below the threshold for filing income taxes (about $10,000 for individuals and $20,000 for married couples), or
  • You would have qualified for Medicaid if your state expanded Medicaid coverage, but your state has decided not to do so.