Quote:
Originally Posted by kbair I have a somewhat unique situation regarding health care coverage and ACA requirements as it relates to my taxes.
I had employer-provided insurance through the middle of June 2014 when I got laid off. I went uninsured the rest of the year. Then my mother passed away on December 29th. I know there is a hardship exemption for death in the family - I already know I need to apply for the exemption and have the forms - but I'm not sure of the ins-and-outs of when to use it most effectively.
I already couldn't afford health insurance because I was unemployed, and since she passed I am still wrapped up in dealing with her estate and trying to get back to an emotionally stable place so that I can go back to work, so I have no idea when I'll be able to afford health insurance.
How long does the exemption last? And can I use it for both the end of 2014 as well as some of 2015? Do I even bother using it for 2014 since she died only two days before the end of the year? I'm obviously trying to use the exemption to my maximum financial advantage. |
so sorry for your loss;a “hardship” that kept you from getting health coverage.
• You’ll need to fill out a paper application and mail it in to the Marketplace; You must submit one of these forms of documentation: Death certificate;Death notice from a newspaper;Funeral service program;Document showing funeral expenses;Coroner’s report;Military notification of death;Other official notice of death
• The death must have happened between January 1, 2012 and December 31, 2014. If the death of a family member didn’t prevent you from getting health insurance for the entire year, you may be able to claim another hardship exemption with the same application.
You should get a written response from the Marketplace within 2 to 4 weeks. If your exemption is granted, the notice will include an Exemption Certificate Number (ECN) for each household member.
Please Contact the Marketplace, not the IRS for more accurate info in detail.
1-800-318-2596; TTY: 1-855-889-4325
Representatives are available 24 hours a day, 7 days a week. Closed Memorial Day, July 4th, and Labor Day.