EXEMPTIONS

The penalty for not having health insurance ended in 2018. However, if you are 30 or older, you must apply for an affordability or hardship exemption to enroll in a Catastrophic plan.

A Catastrophic health plan offers lower-priced coverage that protects you from high medical costs due to unexpected serious injuries.

Exemptions

Affordability Exemption:

You can qualify for an affordability exemption if the lowest-cost coverage offered to you is more than 7.97% 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 got 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, click here

Required Forms

You’ll need to submit one of the forms below to be granted an 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.

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