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    Please note that we need to call you ( from 912-675-6958 ) for a better understanding of your benefit Eligibility.
Hardship Exemptions
There are circumstances that affect consumers' ability to purchase health insurance coverage and which qualify them for a hardship or affordability exemption for the purpose of obtaining catastrophic coverage. Only individuals under age 30 or individuals of any age with hardship or affordability exemptions may purchase a catastrophic coverage plan. Catastrophic plans typically have high deductibles, and mainly protect individuals with very high medical costs. To make the determination, the Marketplace considers whether an individual has experienced a qualifying hardship. 
The following provides a description of each type of hardship exemption event:
  • Homeless - The individual becomes homeless.
  • Eviction/Foreclosure - The individual has been evicted or is facing eviction or foreclosure.
  • Utility Shut-off - The individual has received a shut-off notice from a gas, water, or electric company.
  • Domestic Violence - The individual recently experienced domestic violence.
  • Family Member - The individual recently experienced the death of a close family member.
  • Disaster - The individual recently experienced a fire, flood, or other natural or human-caused disaster resulting in substantial damage to individual property.
  • Bankruptcy - The individual filed for bankruptcy.
  • Medical Expenses - The individual incurred medical expenses that resulted in substantial debt.
  • Family Care Expenses - The individual experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
  • Dependent Child - The individual expects to claim a child as a tax dependent who has been denied coverage in Medicaid and CHIP, and another person is required by court order to give medical support to the child.
  • Eligibility Appeal - As a result of an eligibility appeals decision, the individual is determined eligible for enrollment in a QHP through the Marketplace, APTC, and/or CSRs for a period of time during which they were not enrolled in a QHP through the Marketplace.
  • Non-Medicaid Eligibility State - The individual was determined ineligible for Medicaid because their state did not expand eligibility.
  • Other - The individual experiences some other hardship in obtaining health insurance. Examples of other hardship circumstances that consumers may experience include:
    • The individual lives in a service area where there are no Marketplace QHPs available for the applicable plan year.
    • The individual lives in a service area where there is only one issuer offering Marketplace QHP coverage for the applicable plan year and the person can show that the resulting lack of choice has precluded them from obtaining coverage under a QHP.
    • The individual has a hardship in obtaining health insurance because they live in a service area where all affordable Marketplace QHPs offered for the applicable plan year provide coverage of abortions, contrary to the individual’s beliefs, and the absence of any affordable plan without such coverage causes a hardship in obtaining health insurance.
A consumer who has an affordability exemption may purchase a catastrophic plan, regardless of age. To qualify for an affordability exemption, the lowest priced coverage available to the consumer would cost more than the applicable contribution percentage of the consumer's household income. Find more information on HealthCare.gov (opens in a new tab).
​The following individuals are eligible to obtain coverage through the Marketplace:
  • U.S. citizen or national 
  • Lawfully present non-citizen 
  • Incarcerated individual pending the disposition of charges 
  • Residents of the state in which they are applying for coverage 
  • Individuals under 18 with a non-applicant parent 
  • Individuals recently experiencing hardships such as homelessness, natural disasters, or domestic violence
The following individuals are ineligible to obtain coverage through the Marketplace:
  • Non-citizen who is not lawfully present 
  • Incarcerated individual (not pending disposition of charges)
  • A household with no residents of the state in which they are applying for coverage 
  • Individuals under 18 without an adult filing the application


                          If you Have any other questions call insurance agent Dana Gaffney (912) 675-6958