Health plans that qualify as minimum essential coverage
If you’re covered by any of the following types of plans, you’re considered covered under the health care law and don’t have to pay a penalty or get a health coverage exemption.
Any Marketplace plan, or any individual insurance plan you already have
Any job-based plan, including retiree plans and COBRA coverage
Medicare Part A or Part C
Most Medicaid coverage
The Children’s Health Insurance Program (CHIP)
Most individual health plans you bought outside the Marketplace, including “grandfathered” plans. (Not all plans sold outside the Marketplace qualify as minimum essential coverage.)
If you’re under 26, coverage under a parent’s plan
Self-funded health coverage offered to students by universities for plan or policy years that started on or before Dec. 31, 2014 (check with your university to see if the plan counts as minimum essential coverage)
Health coverage for Peace Corps volunteers
Certain types of veterans health coverage through the Department of Veterans Affairs
Most TRICARE plansThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies.
Department of Defense Nonappropriated Fund Health Benefits ProgramThis link takes you to a website not operated by the federal government. The site may have different privacy and security policies.
Refugee Medical Assistance
State high-risk pools for plan or policy years that started on or before December 31, 2014 (check with your high-risk pool plan to see if it qualifies as minimum essential coverage)
See a more detailed list of types of plans that do and don’t count as minimum essential coverage from the IRS.
Health plans that don’t count as coverage
Some products that help pay for medical services don’t qualify as minimum essential coverage. If you have only this kind of product, you may have to pay the fee. Examples include:
Coverage only for vision care or dental care
Workers’ compensation
Coverage only for a specific disease or condition
Plans that offer only discounts on medical services