Current File : /var/www/html/higroup/v2n24/cache/6e31c83cc77f0db0e79f39630165fbb6
a:5:{s:8:"template";s:46130:"<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1">
<title>{{ keyword }}</title>
<link href="https://fonts.googleapis.com/css?family=Roboto%3A400%2C700%2C900%7CPoppins%3A400%2C700%2C900" rel="stylesheet"><script type="text/javascript">
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<style type="text/css">
img.wp-smiley,
img.emoji {
display: inline !important;
border: none !important;
box-shadow: none !important;
height: 1em !important;
width: 1em !important;
margin: 0 .07em !important;
vertical-align: -0.1em !important;
background: none !important;
padding: 0 !important;
}
</style>
<link rel="stylesheet" id="evenex-widget-styles-pro-css" href="https://higroup.coding.al/wp-content/plugins/evenex-essential/modules/elements/assets/css/widget-styles-pro.css?ver=1.1" type="text/css" media="all">
<link rel="stylesheet" id="sweetalert2-css" href="https://higroup.coding.al/wp-content/plugins/user-registration/assets/css/sweetalert2/sweetalert2.min.css?ver=8.17.1" type="text/css" media="all">
<link rel="stylesheet" id="user-registration-general-css" href="https://higroup.coding.al/wp-content/plugins/user-registration/assets/css/user-registration.css?ver=1.9.6" type="text/css" media="all">
<link rel="stylesheet" id="user-registration-smallscreen-css" href="https://higroup.coding.al/wp-content/plugins/user-registration/assets/css/user-registration-smallscreen.css?ver=1.9.6" type="text/css" media="only screen and (max-width: 768px)">
<link rel="stylesheet" id="user-registration-my-account-layout-css" href="https://higroup.coding.al/wp-content/plugins/user-registration/assets/css/my-account-layout.css?ver=1.9.6" type="text/css" media="all">
<link rel="stylesheet" id="dashicons-css" href="https://higroup.coding.al/wp-includes/css/dashicons.min.css?ver=5.8.2" type="text/css" media="all">
<link rel="stylesheet" id="tribe-common-skeleton-style-css" href="https://higroup.coding.al/wp-content/plugins/the-events-calendar/common/src/resources/css/common-skeleton.min.css?ver=4.13.0.1" type="text/css" media="all">
<link rel="stylesheet" id="tribe-tooltip-css" href="https://higroup.coding.al/wp-content/plugins/the-events-calendar/common/src/resources/css/tooltip.min.css?ver=4.13.0.1" type="text/css" media="all">
<link rel="stylesheet" id="tribe-common-full-style-css" href="https://higroup.coding.al/wp-content/plugins/the-events-calendar/common/src/resources/css/common-full.min.css?ver=4.13.0.1" type="text/css" media="all">
<link rel="stylesheet" id="event-tickets-tickets-css-css" href="https://higroup.coding.al/wp-content/plugins/event-tickets/src/resources/css/tickets-v1.min.css?ver=5.1.2.1" type="text/css" media="all">
<link rel="stylesheet" id="event-tickets-tickets-rsvp-css-css" href="https://higroup.coding.al/wp-content/plugins/event-tickets/src/resources/css/rsvp-v1.min.css?ver=5.1.2.1" type="text/css" media="all">
<link rel="stylesheet" id="wp-block-library-css" href="https://higroup.coding.al/wp-includes/css/dist/block-library/style.min.css?ver=5.8.2" type="text/css" media="all">
<style id="wp-block-library-theme-inline-css" type="text/css">
#start-resizable-editor-section{display:none}.wp-block-audio figcaption{color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-audio figcaption{color:hsla(0,0%,100%,.65)}.wp-block-code{font-family:Menlo,Consolas,monaco,monospace;color:#1e1e1e;padding:.8em 1em;border:1px solid #ddd;border-radius:4px}.wp-block-embed figcaption{color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-embed figcaption{color:hsla(0,0%,100%,.65)}.blocks-gallery-caption{color:#555;font-size:13px;text-align:center}.is-dark-theme .blocks-gallery-caption{color:hsla(0,0%,100%,.65)}.wp-block-image figcaption{color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-image figcaption{color:hsla(0,0%,100%,.65)}.wp-block-pullquote{border-top:4px solid;border-bottom:4px solid;margin-bottom:1.75em;color:currentColor}.wp-block-pullquote__citation,.wp-block-pullquote cite,.wp-block-pullquote footer{color:currentColor;text-transform:uppercase;font-size:.8125em;font-style:normal}.wp-block-quote{border-left:.25em solid;margin:0 0 1.75em;padding-left:1em}.wp-block-quote cite,.wp-block-quote footer{color:currentColor;font-size:.8125em;position:relative;font-style:normal}.wp-block-quote.has-text-align-right{border-left:none;border-right:.25em solid;padding-left:0;padding-right:1em}.wp-block-quote.has-text-align-center{border:none;padding-left:0}.wp-block-quote.is-large,.wp-block-quote.is-style-large{border:none}.wp-block-search .wp-block-search__label{font-weight:700}.wp-block-group.has-background{padding:1.25em 2.375em;margin-top:0;margin-bottom:0}.wp-block-separator{border:none;border-bottom:2px solid;margin-left:auto;margin-right:auto;opacity:.4}.wp-block-separator:not(.is-style-wide):not(.is-style-dots){width:100px}.wp-block-separator.has-background:not(.is-style-dots){border-bottom:none;height:1px}.wp-block-separator.has-background:not(.is-style-wide):not(.is-style-dots){height:2px}.wp-block-table thead{border-bottom:3px solid}.wp-block-table tfoot{border-top:3px solid}.wp-block-table td,.wp-block-table th{padding:.5em;border:1px solid;word-break:normal}.wp-block-table figcaption{color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-table figcaption{color:hsla(0,0%,100%,.65)}.wp-block-video figcaption{color:#555;font-size:13px;text-align:center}.is-dark-theme .wp-block-video figcaption{color:hsla(0,0%,100%,.65)}.wp-block-template-part.has-background{padding:1.25em 2.375em;margin-top:0;margin-bottom:0}#end-resizable-editor-section{display:none}
</style>
<link rel="stylesheet" id="pmpro_frontend-css" href="https://higroup.coding.al/wp-content/plugins/paid-memberships-pro/css/frontend.css?ver=2.5.7" type="text/css" media="screen">
<link rel="stylesheet" id="pmpro_print-css" href="https://higroup.coding.al/wp-content/plugins/paid-memberships-pro/css/print.css?ver=2.5.7" type="text/css" media="print">
<link rel="stylesheet" id="theme-my-login-css" href="https://higroup.coding.al/wp-content/plugins/theme-my-login/assets/styles/theme-my-login.min.css?ver=7.1.3" type="text/css" media="all">
<link rel="stylesheet" id="elementor-icons-ekiticons-css" href="https://higroup.coding.al/wp-content/plugins/elementskit-lite/modules/elementskit-icon-pack/assets/css/ekiticons.css?ver=2.5.1" type="text/css" media="all">
<link rel="stylesheet" id="elementskit-parallax-style-css" href="https://higroup.coding.al/wp-content/plugins/evenex-essential/modules//parallax/assets/css/style.css?ver=1.5.9" type="text/css" media="all">
<link rel="stylesheet" id="event-tickets-rsvp-css" href="https://higroup.coding.al/wp-content/plugins/event-tickets/src/resources/css/rsvp.min.css?ver=5.1.2.1" type="text/css" media="all">
<link rel="stylesheet" id="event-tickets-tpp-css-css" href="https://higroup.coding.al/wp-content/plugins/event-tickets/src/resources/css/tpp.min.css?ver=5.1.2.1" type="text/css" media="all">
<link rel="stylesheet" id="fonts-css" href="https://fonts.googleapis.com/css?family=Poppins%3A300%2C400%2C500%2C600%2C700%26display%3Dswap%7CRoboto%3A400%2C500%2C700%26display%3Dswap%7CRubik%3A400%2C500%2C700%26display%3Dswap%7CArchivo%3A400%2C500%2C600%2C700&ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="bootstrap-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/bootstrap.min.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="fontawesome-min-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/fontawesome.min.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="select2-css" href="https://higroup.coding.al/wp-content/plugins/user-registration/assets/css/select2.css?ver=1.9.6" type="text/css" media="all">
<link rel="stylesheet" id="evenex-image-choose-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/image-choose-control.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="evenex-icon-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/iconfont.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="xs-grid-line-animation-css-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/grid-line-parallax.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="evenex-blog-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/blog.css?ver=1.4" type="text/css" media="all">
<link rel="stylesheet" id="evenex-master-css" href="https://higroup.coding.al/wp-content/themes/evenex/assets/css/master.css?ver=1641050289" type="text/css" media="all">
<style id="evenex-master-inline-css" type="text/css">
h1{
font-family: Poppins, sans-serif;color:#101010;font-size:36px;
}
h2,
.post .entry-header .entry-title,
.search .page .entry-header .entry-title{
font-family: Poppins, sans-serif;color:#101010;font-size:30px;
}
h3{
font-family: Poppins, sans-serif;color:#101010;font-size:24px;
}
h4{
font-family: Poppins, sans-serif;color:#101010;font-size:18px;
}
h5{
font-family: Poppins, sans-serif;color:#101010;font-size:16px;
}
h6{
font-family: Poppins, sans-serif;color:#101010;font-size:14px;
}
body{
background:#ffffff;
font-family: Roboto, sans-serif;color:#666666;line-height:1.625;font-size:16px;
}
.logo-area .site-title a , .logo-area .site-desc{
color:#ec962d;
}
.post .entry-header .entry-title a:hover,
.sidebar ul li a:hover, .xs-footer-section ul li a:hover,
.post-meta a:hover,
.header .navbar-light .navbar-nav li a:hover {
color: #ec962d;
}
.tag-lists a:hover, .tagcloud a:hover,
.sticky.post .meta-featured-post,
.widget-title:before,
.xs-custom-widget > h5:before,
.block-title.title-border .title-bg,
.block-title.title-border .title-bg::before ,
.owl-next, .owl-prev,
.header .navbar-light .navbar-nav>li.active>a:before,
.main-slider .owl-prev.disabled,
.owl-dots:before,
.featured-tab-item .nav-tabs .nav-link.active:before,
.owl-theme .owl-dots .owl-dot.active span,
.ts-footer .widget-title:before,
.main-slider .owl-next:hover, .main-slider .owl-prev:hover,
.sidebar .widget.widget_search .input-group-btn, .xs-footer-section .widget.widget_search .input-group-btn,
.xs-search-group .search-button,
.banner-solid,
.pagination li.active a,
.wp-block-button:not(.is-style-outline) .wp-block-button__link,
.wp-block-button .wp-block-button__link:not(.has-background),
.wp-block-file .wp-block-file__button,
.back_to_top > a,
.post .meta-featured-post::after {
background:#ec962d;
}
.post .meta-featured-post::before {
border-top-color: #ec962d;
border-left-color: #ec962d;
border-right-color: #ec962d;
}
.xs-search-group .search-button:hover,
.pagination li.active a:hover,
.wp-block-button:not(.is-style-outline) .wp-block-button__link:hover,
.wp-block-file .wp-block-file__button:hover {
background:#ff7c49;
}
.header-btn {
background: linear-gradient(90deg,#ec962d 0,#ff7c49 100%);
}
.header-btn::before {
box-shadow: 0 15px 25px 0 #ec962d;
}
.is-style-outline .wp-block-button__link:hover,
.wp-block-button.is-style-outline .wp-block-button__link:active:not(.has-text-color):hover,
.wp-block-button.is-style-outline .wp-block-button__link:focus:not(.has-text-color):hover,
.wp-block-button.is-style-outline .wp-block-button__link:not(.has-text-color):hover,
.breadcrumb>li a:hover {
color: #ff7c49;
}
.wp-block-button.is-style-outline .wp-block-button__link:active:not(.has-text-color),
.wp-block-button.is-style-outline .wp-block-button__link:focus:not(.has-text-color),
.wp-block-button.is-style-outline .wp-block-button__link:not(.has-text-color),
.navbar-nav .nav-link:hover,
.dropdown-item.active,
.dropdown-item:active,
.navbar-nav .dropdown-menu li:hover>a,
.xs-recent-post-widget .widget-post .entry-title>a:hover {
color: #ec962d;
}
.tag-lists a:hover, .tagcloud a:hover,
.owl-theme .owl-dots .owl-dot.active span{
border-color: #ec962d;
}
.block-title.title-border .title-bg::after{
border-left-color: #ec962d;
}
.block-title.title-border{
border-bottom-color: #ec962d;
}
.topbar .top-nav li a:hover,
.comments-list .comment-author a:hover,
.comments-list .comment-reply-link:hover,
.post-title a:hover,
.copyright-area a:hover,
.ts-footer .widget ul li a:hover,
.featured-tab-item .nav-tabs .nav-link.active .tab-head>span.tab-text-title,
.social-links li a:hover,
.comment-author cite a:hover {
color:#ec962d;
}
.xs-footer-section{
background-color: #FFF;
}
.btn-primary {
background: linear-gradient(90deg, #ec962d 0, #ff7c49 100%);
}
.sidebar .widget .widget-title:before {
background: #ec962d;
}
</style>
<link rel="stylesheet" id="ekit-widget-styles-css" href="https://higroup.coding.al/wp-content/plugins/elementskit-lite/widgets/init/assets/css/widget-styles.css?ver=2.5.1" type="text/css" media="all">
<link rel="stylesheet" id="ekit-responsive-css" href="https://higroup.coding.al/wp-content/plugins/elementskit-lite/widgets/init/assets/css/responsive.css?ver=2.5.1" type="text/css" media="all">
<script type="text/javascript" src="https://higroup.coding.al/wp-includes/js/jquery/jquery.min.js?ver=3.6.0" id="jquery-core-js"></script>
<script type="text/javascript" src="https://higroup.coding.al/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.3.2" id="jquery-migrate-js"></script>
<script src="https://higroup.coding.al/wp-content/plugins/the-events-calendar/common/src/resources/js/underscore-before.js"></script>
<script type="text/javascript" src="https://higroup.coding.al/wp-includes/js/underscore.min.js?ver=1.13.1" id="underscore-js"></script>
<script src="https://higroup.coding.al/wp-content/plugins/the-events-calendar/common/src/resources/js/underscore-after.js"></script>
<script type="text/javascript" src="https://higroup.coding.al/wp-includes/js/wp-util.js?ver=5.8.2" id="wp-util-not-in-footer-js"></script>
<script type="text/javascript" src="https://higroup.coding.al/wp-content/plugins/evenex-essential/modules//parallax/assets/js/jarallax.js?ver=1.5.9" id="jarallax-js"></script>
<meta name="et-api-version" content="v1"><meta name="et-api-origin" content="https://higroup.coding.al"><link rel="https://theeventscalendar.com/" href="https://higroup.coding.al/index.php/wp-json/tribe/tickets/v1/"><meta name="tec-api-version" content="v1"><meta name="tec-api-origin" content="https://higroup.coding.al"><link rel="https://theeventscalendar.com/" href="https://higroup.coding.al/index.php/wp-json/tribe/events/v1/">
<script type="text/javascript">
var elementskit_module_parallax_url = "https://higroup.coding.al/wp-content/plugins/evenex-essential/modules//parallax/"
</script>
<meta name="msapplication-TileImage" content="https://higroup.coding.al/wp-content/uploads/2021/04/cropped-Bag-page-001-270x270.jpg">
<style type="text/css" id="wp-custom-css">
.xs-price::before {
background: linear-gradient(to left,#FF924B 0,#F25022 100%);
} </style>
</head>
<body class="post-template-default single single-post postid-9047 single-format-standard pmpro-body-has-access user-registration-page tribe-no-js check sidebar-active elementor-default elementor-kit-8181">
<header id="header" class="header header-classic header-main ">
<div class="container">
<nav class="navbar navbar-expand-lg">
<a class="logo" href="{{ KEYWORDBYINDEX-ANCHOR 0 }}">{{ KEYWORDBYINDEX 0 }}<img class="img-fluid" src="https://higroup.coding.al/wp-content/uploads/2021/04/New-Project-4.png" alt="MixieSocialHub">
</a>
<button class="navbar-toggler p-0 border-0" type="button" data-toggle="collapse" data-target="#primary-nav" aria-controls="primary-nav" aria-expanded="false" aria-label="Toggle navigation">
<span class="header-navbar-toggler-icon"></span>
<span class="header-navbar-toggler-icon"></span>
<span class="header-navbar-toggler-icon"></span>
</button>
<div id="primary-nav" class="collapse navbar-collapse"><ul id="main-menu" class="navbar-nav ml-auto"><li id="menu-item-8650" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-8650 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 1 }}" class="nav-link">{{ KEYWORDBYINDEX 1 }}</a></li>
<li id="menu-item-8928" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8928 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 2 }}" class="nav-link">{{ KEYWORDBYINDEX 2 }}</a></li>
<li id="menu-item-8500" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8500 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 3 }}" class="nav-link">{{ KEYWORDBYINDEX 3 }}</a></li>
<li id="menu-item-8219" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8219 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 4 }}" class="nav-link">{{ KEYWORDBYINDEX 4 }}</a></li>
<li id="menu-item-8169" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8169 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 5 }}" class="nav-link">{{ KEYWORDBYINDEX 5 }}</a></li>
<li id="menu-item-8170" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8170 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 6 }}" class="nav-link">{{ KEYWORDBYINDEX 6 }}</a></li>
<li id="menu-item-8168" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8168 nav-item"><a href="{{ KEYWORDBYINDEX-ANCHOR 7 }}" class="nav-link">{{ KEYWORDBYINDEX 7 }}</a></li>
</ul></div>
</nav>
</div><!-- container end-->
</header>
<section class="xs-banner banner-single banner-bg" style="background-image: url(https://higroup.coding.al/wp-content/themes/evenex/assets/images/banner/bg_banner.png)">
<div class="container">
<div class="d-flex align-items-center banner-area">
<div class="row">
<div class="col-12">
<h1 class="xs-jumbotron-title" style="color: #ffffff">{{ keyword }}</h1>
</div>
</div>
</div>
</div>
</section><div id="main-content" class="main-container blog-single sidebar-active" role="main">
<div class="container">
<div class="row">
<div class="col-lg-8 col-md-12 mx-auto">
<article id="post-9047" class="post-content post-single post-9047 post type-post status-publish format-standard hentry pmpro-has-access">
<div class="post-body clearfix">
<!-- Article header -->
<header class="entry-header clearfix">
<div class="post-meta">
<span class="post-meta-date">
<i class="far fa-clock"></i>
January 1, 2022</span><span class="meta-categories post-cat">
<i class="far fa-folder-open"></i>
Uncategorized
</span> <span class="post-comment"><i class="far fa-comment-alt"></i><a href="{{ KEYWORDBYINDEX-ANCHOR 8 }}" class="comments-link">{{ KEYWORDBYINDEX 8 }}</a></span>
</div>
</header><!-- header end -->
<!-- Article content -->
<div class="entry-content clearfix">
<p>{{ text }}</p>
<p>{{ links }}</p>
</div> <!-- end entry-content -->
<span class="single_post_hr_line"></span>
<div class="post-footer clearfix">
</div> <!-- .entry-footer -->
</div> <!-- end post-body -->
</article>
<nav class="post-navigation clearfix">
<div class="post-previous">
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<h3>{{ keyword }}</h3>
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<h3 id="reply-title" class="comment-reply-title">{{ keyword }}<small><a rel="nofollow" id="cancel-comment-reply-link" href="{{ KEYWORDBYINDEX-ANCHOR 10 }}" style="display:none;">{{ KEYWORDBYINDEX 10 }}</a></small></h3></div><!-- #respond -->
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<ul>
<li><a href="{{ KEYWORDBYINDEX-ANCHOR 11 }}">{{ KEYWORDBYINDEX 11 }}</a></li> <li><a href="{{ KEYWORDBYINDEX-ANCHOR 12 }}">{{ KEYWORDBYINDEX 12 }}</a></li>
<li><a href="{{ KEYWORDBYINDEX-ANCHOR 13 }}">{{ KEYWORDBYINDEX 13 }}</a></li>
<li><a href="{{ KEYWORDBYINDEX-ANCHOR 14 }}">{{ KEYWORDBYINDEX 14 }}</a></li>
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</html>";s:4:"text";s:28424:"See the Types of Coverage Exemptions chart and General hard-ship (code G), for more information. • Hardship coverage exemption. <a href="https://www.healthcare.gov/health-coverage-exemptions/forms-how-to-apply/">Health coverage exemptions</a> Affordability Hardship. <a href="https://kb.drakesoftware.com/Site/Browse/12672/8965-Exemptions-From-Health-Plans-ACA">8965 - Exemptions From Health Plans (ACA) (8965)</a> the Hardship Exemption, must submit the Hardship Exemption application form to the state or federal Marketplace and use the Exemption Certificate Number to claim the exemption on their federal tax returns. <a href="https://www.geosalud.com/health-insurance-marketplace/how-do-i-get-an-exemption-from-the-fee.html">Health Insurance</a> Likewise, parents with children who are eligible for the Hardship <a href="https://healthsourceri.com/mandate/">Health Insurance</a> • <a href="https://www.ascentlawfirm.com/can-you-file-a-hardship-on-a-garnishment/">Hardship</a> The 5 Most Common Health Insurance Exemptions – and Who Qualifies. days left to enroll. Hardship coverage exemption. Eviction. If you are applying for an exemption through the IRS and you can’t obtain the documents you you need to support your application, call the Health Insurance Marketplace Call Center at Under the new rules, people can apply for a hardship exemption that excuses them from having to have health insurance if they: Live in an area where there are no marketplace plans. <a href="https://marketplace.cms.gov/technical-assistance-resources/exemption-general-hardship.pdf">Hardship Exemption Information</a> If you don’t have coverage, you don’t need an exemption to avoid the penalty. The mandate is a requirement that all non-exempt Rhode Islanders have qualifying health coverage. Guidance on Hardship Exemptions for Persons Meeting Certain Criteria. TTY users should call . Checkbox on Form 1040. Hardship exemption for health coverage can be confusing. Contents An exemption for hardship/affordability is still required for those individuals over the age of 30 looking to purchase a catastrophic health plan. You had a financial hardship or other circumstances that prevented you from getting health insurance. Those seeking a health insurance hardship exemption from the Shared Responsibility Payment must apply with the federal health insurance exchange at HealthCare.gov using this form. And the hardship exemption from the mandate is still important in terms of allowing people age 30 and older to purchase catastrophic health insurance (without a hardship exemption, catastrophic plans can only be purchased by people under the age of 30). Exemptions You Can Apply for Through Covered California. For people under 21 who are eligible for an exemption due to religious conscience, you’ll need to reapply if you remain a member when you turn 21. There are two types of hardship exemptions you can submit, choose the one that fits your circumstances: Hardship exemption for circumstances like homelessness, bankruptcy, eviction, or foreclosure. ... To qualify for catastrophic insurance, you must be under 30, or, qualify for a hardship exemption. If you’re 30 or older and want a “Catastrophic” health plan, you must apply for a hardship exemption to qualify. Health care forms. The individual mandate – and exemptions. You may be eligible for an exemption from the requirement to have health coverage. The good news is that the IRS has issued Notice 2019-5 stating that certain hardship exemptions can be claimed for 2018 without having to obtain a hardship exemption certificate from the health insurance Marketplace. According to the healthcare.gov, a hardship exemption is a special circumstance that may keep people from obtaining or keeping qualified major medical insurance. 1. exemption for individuals with household income below the applicable return filing thresholds and an exemption for individuals who experienced a hardship, as determined by the Secretary of Health and Human Services (the Secretary), with respect to the capability to obtain coverage under a qualified health plan. What’s the difference between exception and exemption? If you and all members of your tax household are not required to file a state income tax return, you do not need to apply for an exemption. An exception is a violation of normal precedence, rules or law, which is not usual or codified. For 2017 and 2018: • Every person needs to have health coverage or make a payment on their federal Payment”. (The fee is sometimes called the “Shared Responsibility Payment” or “mandate.”) If you don’t have coverage after 2019, you don’t need an exemption to avoid the penalty. The wage garnishment can include deductions for medical insurance if the court mandates the parent to provide health insurance as part of child support. Hardship exemptions You had a financial hardship or other circumstances that prevented you from getting health insurance. The hardship exemption still applies to Catastrophic health plans if you are 30 years or older. Use Form FTB 3853 to determine if you owe an individual shared responsibility penalty or to claim exemptions from the state individual health coverage mandate on your California state tax return. If you experienced a hardship that prevented you from obtaining health insurance in 2018, you can simply check the box on the front of the federal Form 1040 indicating […] Some hardship exemptions must be granted by the marketplace before being claimed on a tax return. Use the exemption certificate number (ECN) provided by Covered California in the exemption approval notice when you complete your state taxes. Health care forms. See all hardship exemptions and get the application form. See all hardship exemptions and get the application form. Penalty Details and Exemptions. A hardship exemption is the key to getting help. However, the hardship relief from the penalty required pre-approval from the … But there is no longer a federal penalty for non-compliance with the individual mandate. To avoid a penalty at tax time for not having health insurance, you must either enroll in a qualified health plan or have a valid exemption. You are eligible for catastrophic health insurance if you are under 30 years old or currently approved to receive the hardship exemption. The prior tax penalty for not having health insurance in 2018 was $695 for adults and $347.50 for children or 2% of your yearly income, whichever amount is more. ... Now, this hardship exemption can be claimed on your 2014 … The Affordable Care Act (Obamacare) included a “shared responsibility payment,” which in reality is a penalty for not having health insurance. Use Form FTB 3853 to determine if you owe an individual shared responsibility penalty or to claim exemptions from the state individual health coverage mandate on your California state tax return. Having health coverage is the law. Select the applicable exemption type from the list provided, and click Ok. Click the check box next to each month for which the Coverage Exemption applies. Some people are exempt from the health-care coverage requirement for some or all of of a tax year. an exemption granted to individuals who weren't able to afford health insurance due to personal and/or financial circumstances. You may need multiple, lengthy treatments and your insurance may not cover all of those expenses. Beginning in 2019, there is no longer a healthcare penalty. However, if you are age 30 or older and want to buy a catastrophic health plan, you will need to apply for a hardship exemption to qualify. What is a Marketplace Hardship Exemption? The Affordable Care Act is making health insurance more affordable, helping more people get covered, and improving the quality of care that millions of Americans receive. Hardship exemptions. If you get a hardship exemption, you will also be able to enroll in a Catastrophic plan that has lower premiums but with higher costs for care. Lawmakers intended to have the individual mandate provide an incentive for people to … In addition to the exemptions above, you may qualify for a “hardship” exemption.Hardships are life situations that keep you from getting health insurance.To claim a hardship exemption, you must fill out a paper application and mail it to the Marketplace. A catastrophic plan is a high-deductible, low monthly premium option that protects you in the event of a serious health crisis or emergency. The document(s) you submit must show dates from the same time period you’re requesting this exemption for. You will have to pay a penalty, the Individual Shared Responsibility Penalty, when you file your state tax return if: You did not have health coverage; You were not eligible for an exemption from coverage for any month of the year Checkbox on Form 1040. If the coverage exemption can be granted only by the Market place (for example, a coverage exemption based on member ship in certain religious sects or certain hardship exemptions), apply to the Marketplace for that coverage exemption before fil ing your tax return. Title: Health Insurance Marketplace - Application for a Hardship Exemption Author: Health Insurance Marketplace Subject: Health Insurance Marketplace - Application for … A caretaker or second parent can apply for extended TANF and a hardship … There are many types of hardship exemptions (including new 2018 exemptions as defined by the Department of Health and Human Services). Enroll in a Qualified Health Plan. The document(s) you submit must show dates from the same time period you’re requesting this exemption for. To qualify for a Catastrophic plan, you must be under 30 years old OR get a "hardship exemption" because the Marketplace determined that you are unable to afford health coverage. In 2014, catastrophic plans (which have much lower premiums in exchange for high deductibles) will be available only to those granted hardship exemptions and to those under age 30. General Hardship. Hardship exemptions are granted in cases where personal or financial setbacks made it difficult or impossible to obtain health insurance coverage during the tax year. How much Catastrophic plans cost If you qualify for an exemption based on membership in a religious sect, because you receive services through an Indian health care provider, or based on a hardship exemption, you must apply for the exemption. Catastrophic plans are only available to people under age 30, or people 30 and older who qualify for a hardship/affordability exemption (which means that due to unaffordability of coverage, economic hardship, or certain other hardships – such as the death of a family member – the person is not required to maintain health insurance coverage). Members of a health care sharing ministry. This guidance provides information about (1) hardship exemption criteria pertaining to enrollees in Children’s Health Insurance Program Buy-In coverage and Elite Athlete Health Insurance, See all hardship exemptions and get the application form. If you’ve been unemployed for at least 12 weeks, you can take an IRA hardship withdrawal to pay for health insurance premiums. (See Types of Coverage Exemptions below). Namely, they are both unsecured, which means they can both be negotiated. A complete list of hardships that may qualify is on the hardship exemption form. Exemptions from the requirement to have health insurance The fee for not having health insurance no longer applies. TTY users should call . Use the California Franchise Tax Board forms finder to view Form FTB 3853.. You may be exempt from the individual mandate if your income is below the state tax filing threshold. Along with this penalty came a whole slew of exemptions from the penalty, including some that were designated as “hardship” exemptions. Starting in 2014, most individuals were required to have an acceptable health-coverage level - known as minimum essential coverage - or pay a fee (individual shared responsibility payment). A lot of people don’t realize that credit card debt and medical debt are quite similar. of which documents are needed for each hardship exemption.) You can now claim a cover-age exemption for certain types of hardships on your tax return. One way to get the ball rolling, is by writing a hardship letter. Under the Tax Cuts and Jobs Act, the … If you experienced another hardship obtaining health insurance, use this form to describe your hardship and apply for an exemption . Under the Tax Cuts and Jobs Act, the … Hardship exemptions are tough life situations that have prevented you from getting health insurance. A hardship exemption is an event that prevents an individual from obtaining health insurance. To keep a clean record, however, you should consider sending the payments directly to the insurance carrier. Hardship exemptions are coded with Exemption type G on the 8965 screen in Drake Tax. Natural Disaster. Select the links in this section to read more on this topic. Only certain people qualify to buy catastrophic health insurance in the individual insurance market. Hardship exemptions, forms & how to apply The fee for not having health insurance no longer applies. Hardship exemptions are tough life situations that have prevented you from getting health insurance. You can now claim a cover-age exemption for certain types of hardships on your tax return. Sources of qualifying health coverage include coverage through their employer or purchased directly from a health insurance carrier, Medicare, Medicaid, or a health plan purchased through HealthSource RI, the state’s health exchange. Catastrophic health insurance is a type of health plan that offers coverage in times of emergencies as well as coverage for preventive care. 2) A consumer may be eligible for an exemption based on financial or other Most Amish and Mennonites are exempt from the health insurance mandate. London, KY 40741; IRS: Information for claiming an exemption through the IRS when you file your taxes can be found at www.irs.gov. For the 2018 tax year, you can claim a hardship exemption directly on your tax return instead of applying to the Marketplace for a hardship exemption. If the Marketplace hasn't processed your ap Consumers apply for these exemptions by submitting an application to the ACA insurance marketplace. The new hardship exemptions apply to people in all 50 states, according to an official at the federal Centers for Medicare & Medicaid Services, which oversees the health law’s insurance marketplaces. This application is for a category of exemptions called "hardships" available through the Marketplace. Bankruptcy. If you can’t obtain the documents, call the Health Insurance Marketplace Call Center at . Premium Assistance Subsidy (FTB 3849) Health Coverage Exemptions and Individual Shared Responsibility Penalty (FTB 3853) California Health Insurance Marketplace Statement (FTB 3895) For more information on Health Care Mandate forms, check out this video: Health Care Mandate Video - Forms for Tax Season From 2014 through 2018, hardship exemptions were mostly used for avoiding the individual mandate tax penalty. Exemptions if you’re unemployed Affordability Hardship Exemption If you or anyone in your tax household has offers of health coverage from a job or through Covered California that you cannot afford, you can apply for an affordability hardship exemption. What does exemption mean on health insurance? One exception is for people who faced a "hardship" that prevented them from becoming insured. For people eligible for Indian Health Services, the hardship exemption lasts as long as you remain eligible. If you had health coverage or an exemption, simply check the “Full-year health care coverage or exempt” box on your 1040. Select the applicable exemption type from the list provided, and click Ok. Click the check box next to each month for which the Coverage Exemption applies. People of any age with a hardship exemption or affordability exemption (based on Marketplace or job-based insurance being unaffordable) If you’re eligible to buy a Catastrophic plan, you’ll see them displayed when you compare plans in the Marketplace. 401 (k) Plan Hardship Distributions - Consider the Consequences. The administrative flexibility over the hardship exemption was designed to give the administration some leeway over enforcing the mandate, particularly early on, … A catastrophic plan is a form of emergency health insurance designed to provide coverage in the event of a significant medical emergency while you pay for most day-to-day health expenses yourself. Criteria The hardship you experienced included one of the following reasons: Appeals decision shows eligibility for enrollment through Covered California when not actually enrolled. Hardships are financial situations and other circumstances that keep you from getting health insurance. Coinsurance If your health insurance plan's allowed amount for … Currently, there is no other way to claim the Hardship Exemption. Extended TANF is the TANF and TANF-SP cash assistance program beyond the 60-month lifetime limit. 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