Exemptions
Understanding your exemption options for health insurance coverage.
- Affordability Exemption
- Hardship Exemption
- Required Forms
Health Insurance Exemptions Explained
If you are 30 or older, you must apply for an affordability or hardship exemption to enroll in a Catastrophic plan.
Catastrophic health plans have low monthly premiums and very high deductibles. They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured.
Types of Exemptions
Affordability Exemption
You can qualify for an affordability exemption if the lowest-cost coverage offered to you is more than 8.05% of your household income.
Hardship Exemption
You could qualify for this exemption if you had a financial hardship or other circumstances that prevented you from getting health insurance.
What counts as a hardship?
- You were homeless
- You were evicted or were facing eviction or foreclosure
- You received a shut-off notice from a utility company
- You experienced domestic violence
- You experienced the death of a family member
For a full list of hardships, visit the Health Coverage Exemptions page at HealthCare.gov.
Required Form & Getting Help
You’ll need to download and submit an Application for Hardship Exemption. Once approved, you will get an Exemption Certificate Number (ECN) to enroll in the Catastrophic health plan.
Exemptions are evaluated and determined by the federal government, not by Your Health Idaho. If you have questions about applying for exemptions or catastrophic insurance, Your Health Idaho certified agents and brokers are ready to help at no cost.