How to Not Get an Individual Penalty For Not Having Insurance

Not everyone who does not have insurance will get a penalty.  Follow this link to download the Hardship Exemption Form.

Here are more instructions regarding getting out of paying ACA penalties from Covered California.

More information regarding exemption from the "individual shared responsibility payment" or "individual mandate".

Affordable care Act Employer Penalties Flowchart

Note: Health Care Reform is extremely complex and implementation is dynamic with new laws and rules being issued constantly.  
This page represents a good faith effort to aid in understanding the changes.