Last week, the Obama administration announced that anyone whose health plan was cancelled due to the Affordable Care Act and believe other plans offered are unaffordable will receive a ‘hardship waiver.’ This waiver exempts them from the individual mandate and allows them to purchase a cheaper catastrophic plan that was previously available only to those under the age of 30.
But losing your health insurance is not the only experience that qualifies a person for a waiver. In fact, there are 13 other ways that people qualify.
Here are all 14 straight from the Centers for Medicare and Medicaid:
- You were homeless.
- You were evicted in the past 6 months or were
facing eviction or foreclosure.
- You received a shut-off notice from a utility company.
- You recently experienced domestic violence.
- You recently experienced the death of a close family member.
- You experienced a fire, flood, or other natural human-caused disaster that caused substantial damage to your property.
- You filed for bankruptcy in the last 6 months.
- You had medical expenses you couldn’t pay in the last 24 months.
- You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.
- You expect to claim a child as a tax dependent who’s been denied coverage in Medicaid and the Children’s Health Insurance Program (CHIP), and another person is required by court order to give medical support to the child.
- As a result of an eligibility appeals decision, you’re eligible either for: 1) enrollment in a qualified health plan (QHP) through the Marketplace, 2) lower costs on your monthly premiums, or 3) cost-sharing reductions for a time period when you weren’t enrolled in a QHP through the Marketplace.
- You were determined ineligible for Medicaid because your state didn’t expand eligibility for Medicaid under the Affordable Care Act.
- You received a notice saying that your current health insurance plan is being cancelled, and you consider the other plans available unaffordable.
- You experienced another hardship in obtaining health insurance.