How do I Opt Out of Health Coverage Guidelines?
- 1). Join a religious organization that does not permit members to receive traditional health care or a health care sharing ministry to opt out of the government-mandated insurance coverage. Health care sharing ministries share the medical expenses of its members.
- 2). Fall within 133 percent of the federal poverty level. People who earn less than 133 percent of the federal poverty level are exempt from purchasing health insurance. They are eligible for state and/or federal Medicaid and Medicare.
- 3). Purchase health care coverage before the entirety of the law is in effect and the existing policy may be grandfathered in.
- 4). File a financial hardship with the Department of Health and Human Services. People who file a financial hardship are exempt from the law for as long as they are experiencing hardship.
- 5). Work full-time. The law mandates tax credits for employers who provide at least minimum coverage for employees. The law also fines employers up to $2,000 a year per employee for those who do not provide minimum health coverage or better.
- 6). Earn less than 400 percent of the federal poverty level. People who earn less than 400 percent of the federal poverty level receive tax credit for health insurance premiums.
