8965-2025

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Complete this form if you have a Marketplace-granted coverage exemption or you are claiming a coverage exemption on your return. Part I Marketplace-Granted Coverage Exemptions for Individuals. If you and/or a member of your tax household have an exemption granted by the Marketplace, complete Part I. (a)
Beginning in tax year 2019, Form 1040 and Form 1040-SR will not have the full-year health care coverage or exempt box and Form 8965, Health Coverage Exemptions, will no longer be used.
Available exemptions Your income is so low that you arent required to file a tax return. You cant find affordable insurance. You have a gap in coverage for less than three months. Youre a member of an Indian tribe recognized by the federal government. You take part in a health care sharing ministry.
So technically, the law does still require most Americans to maintain health insurance coverage. But the IRS no longer imposes a penalty on people who dont comply with that requirement.
Federal Income Tax Information. Form 8965 Health Coverage Exemptions/Responsibility Payment.
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Form 8965 Exemptions Health coverage-related exemptions: If you were only uninsured for one to two months, you may qualify for a short gap exemption. You may also be exempt if you live in a state without an expanded Medicaid program, and your household income is below 138% of the federal poverty level.
The ACA provides several exceptions to the coverage requirement. Through 2018, if you have an exemption, you dont have to pay the shared responsibility penalty even if you dont buy health insurance. Beginning in 2019, there is no longer a penalty for not having health insurance.
What is Form 8965? As mentioned earlier, the Affordable Care Act made having health insurance a requirement for every person in the United States. However, its not always possible to have health coverage 100% of the year. Luckily, thats where IRS Form 8965, Health Coverage Exemptions, comes in.

hardship exemption form