Who’s Exempt from the Health Care Law (Affordable Care Act)?

The healthcare debate has left most Americans thinking they have no choice but to comply with the Patient Protection and Affordable Care Act or face financial penalties. But not everyone has to conform. The health care law contains several, little-known exemptions for the following (these exemptions are detailed on page 128 – 130 of the law):

  • Existing members and new members of health care sharing ministries—a health care sharing ministry is an organization that's members share a common set of ethical or religious beliefs and share resources to pay for one another's medical expenses in accordance with those beliefs

  • Existing members and new members of Indian tribes

  • Existing members and new members of a recognized religious sect or division that has established tenets or teachings such as Amish, Old Order Mennonites and Christian Scientists

  • Incarcerated individuals (Individuals will not be exempt if the incarceration is pending the disposition of charges)

  • Individuals for whom coverage would exceed 8 percent of their household income

  • Individuals whose household income is less than 100 percent of the poverty line for the size of the family

  • Individuals who are not citizens

  • Individuals who are not legal aliens