Penalty

Am I required to have health insurance?

Starting with the 2019 tax year, there is no requirement for individuals to have a Qualified Health Plan or pay a penalty for not having a plan.

How do I apply for an exemption from having health insurance?

Individuals must apply for an exemption with the Federal Health Insurance Marketplace, Healthcare.gov, rather than Connect for Health Colorado. Eligible individuals will receive an Exemption Certificate Number from the federal government. Be sure to save this number for when you file your taxes. Individuals applying for an exemption based on coverage being unaffordable, membership in a health care sharing ministry, membership in a federally-recognized tribe or being incarcerated can claim these exemptions when they file their taxes and do not need to apply for an exemption beforehand.