Opting Out Of Obamacare: Need To Know


So what if you don’t want to have anything to do with the government-managed insurance being sold under the Patient Protection and Affordable Care Act? Or what if you simply don’t even know how to tell whether you’re a candidate to enroll in insurance under the Obamacare exchanges, or whether you’d be eligible for an entitlement (er, subsidy) if you do?

There are exemptions that, under the law, prevent you from having to enroll:

Having your own insurance policy either through an employer or direct coverage is one; Medicare/Medicaid is another. Veterans Healthcare, children’s State-funded programs and others also exempt you from having to either buy a policy or pay a penalty.

But those are exemptions for people who already are covered. What if you just want to opt out and claim an exemption that prevents you from having to pay the penalty? Well, there are a number of ways (H/T: The Christian Science Monitor for the compilation):

  • Being without insurance for less than three months of the year.
  • Being an illegal alien.
  • Being in jail.
  • Being a member of a recognized Indian tribe.
  • Being too poor, as determined by your tax filing (or your eligibility not to file).
  • Being unable to acquire coverage that’s more than 8 percent of your household income (though, if early anecdotal reports are true, that would seem to include a very great number of people).
  • Being a member of a “recognized” religious group that objects to insurance coverage in principle. An entire article could be written about what a joke it is to have the government validate your religious beliefs with a “recognition,” but that’s the law as it stands.

There are also a number of hardship exemptions at the healthcare.gov exemptions page.

If you don’t meet one of these qualifications and you don’t have outside insurance, expect to pay a penalty that starts relatively small (as “little” as $95 per person in 2014) and increases in succeeding years ($695 per person by 2016).

The penalty will be determined based on new healthcare information you’re required to submit to the government on your 2014 Federal tax form. You’ll then either have to submit the penalty as a part of your tax payment or, if you’re in line for a sufficiently sizable return, it will simply be deducted from the amount the government “owes” you.

Despite all the early “glitches,” the open Obamacare signup period for 2014 remains fixed, with a cutoff date of March 1, 2014.

In other words, you have until March 1 of next year to figure out the least-costly path through this new era of socialized health coverage — or hope Congressional conservatives figure out a way to derail the whole mess.

Personal Liberty

Ben Bullard

Reconciling the concept of individual sovereignty with conscientious participation in the modern American political process is a continuing preoccupation for staff writer Ben Bullard. A former community newspaper writer, Bullard has closely observed the manner in which well-meaning small-town politicians and policy makers often accept, unthinkingly, their increasingly marginal role in shaping the quality of their own lives, as well as those of the people whom they serve. He argues that American public policy is plagued by inscrutable and corrupt motives on a national scale, a fundamental problem which individuals, families and communities must strive to solve. This, he argues, can be achieved only as Americans rediscover the principal role each citizen plays in enriching the welfare of our Republic.

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  • at sea

    Just quit going to “Medical Practitioners”, taking pharmacuticals, eating junk food, drinking poisons, etc…Learn how to care for yourself and family, get plenty of food in your cupboards and all the others preps you should have started way before now. And get your life issues squared quick as in reality things are going to get worse. Time to pull your heads out of the sand, face reality . I am so sick of people saying its too much “Doom & Gloom “, when in fact we are blessed to be witnessing the end of a corrupt world. Keep looking up , be kind to one another shed the fear , you have passed thru many lives . If that statement conflicts with personal belief systems , sorry . What do you think make wars?? ? Conflicts in belief systems !!!…..

    • usaok59

      I wish you were my neighbor, you make a lot of sense.

    • Tom Hession

      Agreed. And I have done so for 20 years. Never been to a doctor. One time I got a severe allergic reaction and went to ER. I paid the bill cash. Now, however, I am compelled to purchase this insurance….or else. This sets a horrible precedent. What else can government force us to buy?

  • william huffman

    They left out the MOST important one. Just being a politician in washington exempts you from following ANY law that pertains to the average U.S. citizen. I’m running for election next year. My campaign slogan is: “I’m joe six pack, and I know more about what the people want than any politician in D.C. I’m not going there to make friends or influence people, because the establishment elites won’t like me any more than Sen. Cruz.” Any contribution you make will go directly into my campaign, as I’m an average citizen that doesn’t have billionaire backing like reid and pooplosi. All kidding aside, I think a candidate like that would be a LOT better than most of the idiots up there now.

  • Robert Wood

    STUFF IT!!!!!!!!!!!!!!!!!!!!!

  • usaok59

    Be sure not to give them your personal info before you decide if you want to enroll. Once you do give it out they will hound you and possibly threaten you to sign up.

    • Robert Messmer

      Based on what was on the news, you have to give them your personal information just to find out what plans you qualify for.

    • MidwayAtom

      they already have all our information thanks to National Security.

  • Richard StJohn

    That’s why they are hiring 16,000 new IRS officers. They are going to enforce the fine collection part. God help you if you’re a member of a conservative group. The IRS will be targeting you for fines now. Obama is the enemy. Send him to Syria so he can play with all his friends in Al Qaeda.

  • Libertarian58

    Obamacare has nothing to do with health care, except to destroy it. The government is flat broke and desperate for revenue, but no politician wants to be associated with a tax increase, so this healthcare scam was dreamed up by BOTH PARTIES of congress. They got their friends at the “supreme” court to bend the constitution so they could “collect” the tax, but call it insurance. The crooked politicians will insist that they voted for healthcare, not a tax, in order to deflect blame from themselves. The RINO “republicans” continue to vilify the few honest congressmen who oppose obamacare, while claiming that they also oppose it. How can this be unless they don’t really oppose it? The fact that the IRS is in charge of collecting the loot should be your first clue. This entire scam is nothing more than a huge middle class tax hike. Kiss your health care goodby.

  • Frank Phillips

    Wait till the last day to enroll see what happens till then. Meantime invest in lead!

  • TanDaLayO

    I think I’ll just remain very poor, and frugal that is….which disqualifies me from this ‘forced contract’ (illegal)….

  • Bud Brota

    This is a slick way for the government to not have to pay you the tax rebate they owe you. It’s also a way for them to make money without having to do anything to earn it. Taking money under coercion without returning any value for the funds taken… Sounds like robbery or extortion to me. With armed IRS agents coming to collect. Are you angry yet??