Center for Health Policy

Obama administration relaxes rules of health-care law

“The latest rule will allow consumers with a canceled health plan to claim a “hardship exemption” if they think the plans sold through new federal and state marketplaces are too expensive. The ability to get an exemption means that the administration is freeing these people from one of the central features of the law: a requirement that most Americans have health insurance as of Jan. 1 or risk a fine. The exemption gives them the choice of having no insurance or of buying skimpy “catastrophic” coverage. Until now, the law allowed people younger than 30 to buy catastrophic coverage — an exception to the law’s benefit rules in an effort to attract young adults who have been particularly prone to avoiding coverage in the past. The law also has allowed hardship exemptions for people 30 and older who could not afford the regular coverage.”

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Here is a link to with a description of this change and a link to the hardship exemption form.