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This tool uses your answers to find exemptions that you may qualify for and tells you how to apply.

Some exemptions cover a full year, some just certain months. You can skip questions, but if you do, you could miss information about some exemptions.

What we do with your information

Information you enter isn't stored. It's deleted when you close your browser window. Information cannot be transferred to an application or to the tax agency.

Which of the following describes your health coverage in 2019?

It looks like you don't need a health coverage exemption for the year you selected.

As long as you have qualifying health coverage for at least one day of every month of the year, you don't need an exemption. You also don't have to pay the penalty.

Select the months in 2019 when you DID NOT have qualifying health coverage.

If you have coverage for even one day of a month, you're considered covered that month. DON'T select any month for which you're covered even one day.

Did any of the following happen to you in 2019?

Check all that apply.

Do any of the following describe your citizenship status any time during 2019?

Did you have medical expenses you couldn’t pay for in the last 24 months?

Did any of the following happen to you in 2019?

Check all that apply.

Are you a member of a federally recognized tribe, an Alaska native, or eligible for services through an Indian Health Services provider?

Were you enrolled in the DC Healthcare Alliance Program at any point during the year you are applying for an exemption?

Did any of the following happen in 2019?

Check all that apply.

Are you a member of a recognized health care sharing ministry ?

Are you member of a religious sect that is conscientiously opposed to accepting health benefits, including Social Security and Medicare?

Did you not have coverage based on a sincerely-held religious belief?

Were you incarcerated during any part of 2019?

Were you living outside the District of Columbia for the months you need an exemption?

Household and Income Information

Exemptions from the tax penalty for not having coverage are available if you meet income or other affordability requirements. This is not an application for an exemption, but your results will tell you what to do next to get an exemption if it looks like you qualify.


Person 1

Income and Household Results

No one in your household appears to be eligible for an exemption based on your annual household income, but there are other affordability exemptions available. Continue answering questions to see if you qualify.

Some people in your household appear to be eligible for an exemption based on your annual household income and some people do not appear to be eligible for an exemption.

You don't have to apply for an exemption based on household income. You claim it when you file your tax return. You'll find out if those listed as exempt qualify for this exemption at that time. Most people file their taxes sometime between January and April for income earned in the previous year.

Everyone in your household appears to be eligible for an exemption based on your household's annual income.

You don't have to apply for an exemption based on household income. You claim it when you file your tax return. You'll find out if you qualify for this exemption at that time. Most people file their taxes sometime between January and April for income earned in the previous year.

Member Age Exemption Status

More Affordability Exemptions

Do you want to answer more detailed questions to see if coverage you could get is considered unaffordable?

More Affordability Exemptions

Do you or will you have access to employer-sponsored coverage either through your own employer or through a family member in the year you need an exemption?

Tell Us About Your Employer-Sponsored Coverage

Employer-Sponsored Coverage Results

It looks like you don't qualify for an exemption based on your income and how much you have to pay for health insurance through your job. But you still might qualify for an exemption based on how much you would have to pay for coverage through DC Health Link with financial assistance.

More Affordability Exemptions

Would you like to see if you qualify for an exemption based on how much you would have to pay for coverage through DC Health Link?

DC Health Link Affordability Screener

Answer these questions to see if you may qualify for an affordability exemption based on how much you would have to pay for coverage through DC Health Link.

First, you'll need to determine the estimated monthly premium tax credit amount for you and your household. Use DC Health Link's Plan Match tool and select YES when asked if you'd like to find out if you qualify for Medicaid or tax credit savings. You'll receive an estimate of what the monthly premium tax credit may be, if any, for those in your household who likely qualify. Enter that number in the box below.

Next, enter the total monthly premium amount for the lowest-cost Bronze-level plan available to those in your household who likely qualify for a premium tax credit. If some people in your household don't qualify for the tax credit, do not include their monthly premiums in the amount entered below.

Important: The only way to get an accurate determination of whether or not you qualify for a premium tax credit to help pay for private insurance is to apply for financial assistance through dchealthlink.com. If you do qualify for a tax credit but still think your premiums are not affordable, you can then submit an affordability exemption application.

DC Health Link Affordability Results

It looks like you don't qualify for an exemption based on your income and how much you would have to pay for a private health plan through DC Health Link. This is NOT an official eligibility determination. To find out for sure, you'll need to apply for financial assistance at dchealthlink.com, and then submit an affordability exemption application.

Results:

Based on your answers, it doesn't look like you qualify for an exemption for the year you need it. If you don't qualify for an exemption, you'll have to pay a penalty for each month of the year when you don't have qualifying coverage.

Here are some things you can do:

  • You can apply for financial assistance at dchealthlink.com to see if you or members of your household qualify for a premium tax credit to help pay for private health insurance or for free comprehensive coverage through Medicaid. To get started, create an account or login to your account at dchealthlink.com.
  • Come back and use this tool again later in the year. Your circumstances may have changed by then.
  • Review a complete list of exemptions and get details.
  • See all the kinds of coverage that meets the individual responsibility requirement. You don't have to pay a penalty for the months you have qualifying coverage.
  • Learn more about the penalty you pay if you don’t have coverage or an exemption.

Your results

Based on your answers, you may qualify for the exemption(s) listed below:

Note: If you have household members with different situations (including your children), you can use this tool again using their information to see if they qualify.

Short coverage gap: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
US citizen who lived abroad during the tax year OR you were not lawfully present: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Member of a health care sharing ministry: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Member of a religious sect that is conscientiously opposed to accepting health benefits, including Social Security and Medicare: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Did not have coverage based on a sincerely-held religious belief: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Member of a Federally-recognized Indian tribe: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Enrolled in DC Healthcare Alliance Program: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Claiming an exemption based on a birth, adoption, or death (only applies to the person being born, adopted, or who died): You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Incarceration: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Not a DC resident: You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Income below threshold: Everyone in your household appears to be eligible for an exemption based on your household's annual income. You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.
Income below threshold: Some people in your household appear to be eligible for an exemption based on your annual household income and some people do not appear to be eligible. You claim this exemption when you file your tax return. Most people file their taxes sometime between January and April for income earned in the previous year.

Member Age Exemption Status

Homelessness: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
APPLY NOW
You were evicted in the past 6 months or were facing eviction or foreclosure: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the eviction or foreclosure notice when you submit your hardship exemption application.
APPLY NOW
You received a shut-off notice from a utility company: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the shut-off notice when you submit your hardship exemption application.
APPLY NOW
You experienced domestic violence: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
APPLY NOW
You experienced the death of a family member: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the death certificate, a newspaper death notice, or a copy of other official notice of death when you submit your hardship exemption application.
APPLY NOW
You experienced a fire, flood, or other natural human-caused disaster that cause substantial damage to your property: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of a police or fire report, insurance claim or other document from a government agency describing the event when you submit your hardship exemption application.
APPLY NOW
You filed for bankruptcy: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the bankruptcy filing when you submit your hardship exemption application.
APPLY NOW
You were pregnant: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include documentation from a licensed health care provider certifying the period of the pregnancy when you submit your hardship exemption application.
APPLY NOW
You can claim as a tax dependent a child who has been denied Medicaid and Children's Health Insurance Program (CHIP) coverage, and another person is required by court order to give medical support to the child: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the medical support court order AND copies of eligibly notices for Medicaid and CHIP showing that the child has been denied coverage when you submit your hardship exemption application.
APPLY NOW
You had medical expenses you couldn't pay in the last 24 months: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the medical bills you couldn't pay when you submit your hardship exemption application.
APPLY NOW
You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include copies of receipts related to care when you submit your hardship exemption application.
APPLY NOW
An error, misrepresentation, or misconduct, on part of the DCHBX, a health insurance company, or someone providing you enrollment assistance prevented you from enrolling in coverage: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include any documentation that explains and supports your claim when you submit your hardship exemption application.
APPLY NOW
Appealed an eligibility decision that made you eligible for enrollment through DC Health Link (either for enrollment in a QHP or for cost-savings) for a time that you were not enrolled: To find out for sure if you qualify for this exemption, you must submit a hardship exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • Select APPLY NOW and complete the hardship application to see if you qualify for this exemption.
  • You must include a copy of the final appeal decision when you submit your hardship exemption application.
APPLY NOW
Coverage through DC Health Link with financial assistance might not be affordable for you: To find out for sure if you qualify for this exemption, you must submit an affordability exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • First, you must complete an application for financial assistance and provide the eligibility determination notice you received with your affordability exemption application. To apply for financial assistance, create an account or login to your account at dchealthlink.com.
  • When you have your financial assistance eligibility determination notice, and you're ready to see if you qualify for an affordability exemption, select APPLY NOW.
APPLY NOW
Employer-sponsored health coverage might not be affordable for you: To find out for sure if you qualify for this exemption, you must submit an affordability exemption application to DC Health Link. Select NEXT STEPS to learn how to apply.

Here's What You Need to Do Now

  • First, you must complete an application for financial assistance and provide the eligibility determination notice you received with your application for an affordability exemption. To apply for financial assistance, create an account or login to your account at dchealthlink.com.
  • Then, select APPLY NOW and complete the affordability application to see if you qualify for this exemption.
APPLY NOW