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Per IRS Publication 5187, Health Care Law: What's New for Individuals & Families, page 6:

What are the health coverage exemptions?

  • Coverage is considered unaffordable - The amount the taxpayer would have paid for the lowest cost employer-sponsored coverage available or for coverage through the Marketplace is more than a certain percentage of the taxpayer’s household income for the year.
  • Income below the return filing threshold – The taxpayer’s gross income or household income is below the taxpayer’s minimum threshold for filing a tax return.

According to the Instructions for Form 1040, page 10 (Chart A), most taxpayers are required to file a return for 2018:

  • If your filing status is Single, and at the end of 2018 you were under 65, then file a return if your gross income was at least $12,000
  • If your filing status is Single, and at the end of 2018 you were 65 or older, then file a return if your gross income was at least $13,600
  • If your filing status is Married filing jointly, and at the end of 2018 you were under 65 (both spouses), then file a return if your gross income was at least $24,000
  • If your filing status is Married filing jointly, and at the end of 2018 you were 65 or older (one spouse), then file a return if your gross income was at least $25,300
  • If your filing status is Married filing jointly, and at the end of 2018 you were 65 or older (both spouses), then file a return if your gross income was at least $26,600
  • If your filing status is Married filing separately, and at the end of 2018 you were any age, then file a return if your gross income was at least $5
  • If your filing status is Head of Household, and at the end of 2018 you were under 65, then file a return if your gross income was at least $18,000
  • If your filing status is Head of Household, and at the end of 2018 you were 65 or older, then file a return if your gross income was at least $19,600
  • If your filing status is Qualifying widow(er) with dependent, and at the end of 2018 you were under 65, then file a return if your gross income was at least $24,000
  • If your filing status is Qualifying widow(er) with dependent, and at the end of 2018 you were 65 or older, then file a return if your gross income was at least $25,300.

To enter or review your individual shared responsibility provision information in the TaxAct program:

  1. From within your TaxAct return (Online or Desktop), click Federal. On smaller devices, click the menu icon in the upper left-hand corner, then select Federal.
  2. Click Health Insurance in the Federal Quick Q&A Topics menu to expand the category and then click Coverage information
  3. The program will proceed with the interview questions for you to enter or review the appropriate information
  4. On the screen titled Health Insurance - Coverage Summary you can review your Individual Shared Responsibility Payment

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