Many may be exempt from the "individual mandate" requirement and can apply for an exemption. They include:
- Homeowners who’ve been foreclosed upon,
- Those whose utilities have been shut off,
- Those who have suffered domestic violence,
- Those who have experienced a death in their families, or
- Anybody who believes they’ve had a “hardship in obtaining insurance”.
The exemption is active through 2016.
“If you’re a consumer and you’re looking at this, it leaves a lot of ambiguity,” Dan Mendelson, the president of Avalere Health, a Washington consulting firm. “You don’t know if you qualify for a hardship exemption but you are very likely to fall into one of these categories -- or are able to get into one of these categories.”