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Anyone who can show that their individual or family policy has been cancelled, will be eligible to buy a “catastrophic” plan through the exchange and qualify for a “hardship exemption”. See list of reasons below.
This means they would not be fined if they can’t, or don’t, enroll in a health insurance plan. These catastrophic plans, however, cannot get a subsidy.
We can help you with this. Call us for assistance (702) 898-0554
Exemptions From Having To Pay The Tax Penalty
♦ The individual is uninsured less than 3 consecutive months
♦ The lowest priced insurance plan available would cost more than 8.13% of the household income
♦ The individual does not have to file a tax return because income is too low
♦ The individual is a member of federally recognized Indian tribe
♦ The individual is a member of a health care sharing ministry
♦ The individual belongs to a religious sect with objections to receive insurance benefits and Social Security and Medicare
♦ The individual is incarcerated
♦ The individual is not legally present in the USA
♦ The individual has a hardship determined by the Dept. of HHS for example:
◊ Become homeless
◊ Has been evicted in the past 6 weeks or is facing eviction or foreclosure
◊ Child is denied Medicaid and CHIP and another person is Court ordered to cover that child
◊ Received a shut-off notice from a utility company
◊ Recent death of a close family member
◊ Recent fire, flood, natural or human-caused disaster resulting in substantial damage to individual property
◊ Filed bankruptcy in last 6 months
◊ Recent domestic violence
◊ Substantial medical debt in the last 2 yrs
◊ Unexpected expenses d/t caring for an ill, disabled, or aging family member
◊ Time frame to appeal and overturn a denial of eligibility to get a Marketplace plan
◊ Lost individual plan and believes other coverage options are unaffordable
◊ Other hardships obtaining health insurance
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.
The short answer is yes; medical debt is considered non-priority unsecured debt and can be discharged in bankruptcy. While you cannot target medical debt in bankruptcy, this process can help lower payments or eliminate the debt altogether.