Penalties & Exemptions


Understanding ACA Tax Penalties

The ACA now requires almost everyone to have health insurance. However, some people may choose not to enroll in health insurance. If you choose not to enroll there may be consequences in the form of a tax penalty, unless you qualify for an exemption. A penalty could mean your refund might be reduced, or you could pay more if you owe taxes at the end of the year.

The penalty in 2015 is calculated one of two ways. If you or members of your household don’t have insurance that qualifies as minimum essential coverage you'll pay whichever of these amounts is higher:





Calculate Your Penalty

Understanding Exemptions

Depending on your circumstances, you may qualify for an exemption to either lower your tax penalty or eliminate it altogether. Many kinds of exemptions can be claimed on your tax return; however, you may need to apply for some exemptions and get Marketplace approval. Good thing there’s also an easy way to understand it all. Allow us to explain…

Exemptions are based on factors such as financial hardships, religious affiliations, and gaps in coverage – just to name a few. Here’s a look at all the exemptions available and how you get them.





See If You're Exempt

Exemption Qualifications

Want to know more about how H&R Block can help to see if you qualify for an exemption?

Why HRB

Find An Office

With over 11,000 locations nationwide, there is an
H&R Block
that is convenient for you.

Find another office, a tax pro or manage your appointment. Search Now

Office Near

Office Near



| Office Info

Google Maps

| Office Info
Make An Appointment

This office does not take online appointments. Please call the office.

Loading content

Next Appointment:

Set an Appointment
Choose Another Time 
Make An Appointment

This office does not take online appointments. Please call the office.

Find another office, a tax pro or manage your appointment. Search Now 

Ready to file yourself?

Whether you’re a first time filer with a basic return or you have a complex tax situation, we make it easy to file online.

H&R Block Tax Software