You’ve tried to get health insurance — maybe through work, maybe through the Marketplace — but the cost feels impossible. Or maybe you’ve lost coverage altogether.

When you’re in that situation, it can feel like you’re out of options.
But the Affordable Care Act (ACA) has a little-known provision that could give you another way forward: hardship exemptions.

What’s a Hardship Exemption?

A hardship exemption is special permission from the federal government that says:

“We recognize your situation makes it unreasonable for you to pay for standard health insurance right now.”

If approved, a hardship exemption can:

• Allow you to buy a Catastrophic health plan — even if you’re over 30.

• Open up lower-cost coverage options.

• Bridge the gap while you get back on your feet.

Situations That May Qualify as a Hardship

Hardship exemptions aren’t one-size-fits-all, but some common qualifying situations include:

• Loss of coverage (employer plan ended, Marketplace plan cancelled, etc.)

• Facing eviction or foreclosure

• Medical debt for necessary care

• Domestic violence

• Death of a close family member

• Unexpected increase in expenses due to caring for a sick, disabled, or aging family member

• Other serious financial or personal challenges

How to Apply for a Hardship Exemption

1. Get the right form from HealthCare.gov.

2. Gather proof — documentation of your hardship (eviction notice, medical bills, income drop, etc.).

3. Mail your application to:
   
   

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4. Wait for the federal government to review your request.

5. If approved, you’ll get an Exemption Certificate Number (ECN) — which you’ll enter when applying for coverage.

Why This Can Make a Big Difference

Without an exemption, your only options might be plans with premiums you simply can’t afford.
With an exemption, you can choose a lower-cost plan that still protects you from major medical bills — giving you breathing room while you recover financially.

How We Can Help

We know the rules. We know the process. And we’ll walk you through every step.
Our team can:

• Help determine if you qualify for a hardship exemption.

• Guide you in collecting the right proof.

• Make sure your application is complete before it’s mailed.

• Compare your new coverage options so you choose the one that fits best.

📞 Call us at 904-654-5450
💻 Visit MereBenefits.com

If you’ve been denied or priced out of coverage, don’t give up — let’s find a way to get you insured. #simplyforyourbenefit