The 14 Ways You Can Get Out Of Being Forced To Have Health Insurance

APThere are 14 different ways you may qualify for a 'hardship waiver.'

Last week, the Obama administration announced that anyone whose health plan was cancelled due to the Affordable Care Act and believe other plans offered are unaffordable will receive a 'hardship waiver.' This waiver exempts them from the individual mandate and allows them to purchase a cheaper catastrophic plan that was previously available only to those under the age of 30.

But losing your health insurance is not the only experience that qualifies a person for a waiver. In fact, there are 13 other ways that people qualify.

Here are all 14 straight from the Centers for Medicare and Medicaid:

1. You were homeless.

2. You were evicted in the past 6 months or were
   facing eviction or foreclosure.

3. You received a shut-off notice from a utility company.

4. You recently experienced domestic violence.

5. You recently experienced the death of a close family member.

6. You experienced a fire, flood, or other natural human-caused disaster that caused substantial damage to your property.

7. You filed for bankruptcy in the last 6 months.

8. You had medical expenses you couldn't pay in the last 24 months.

9. You experienced unexpected increases in necessary expenses due to caring for an ill, disabled, or aging family member.

10. You expect to claim a child as a tax dependent who's been denied coverage in Medicaid and the Children's Health Insurance Program (CHIP), and another person is required by court order to give medical support to the child.

11. As a result of an eligibility appeals decision, you're eligible either for: 1) enrollment in a qualified health plan (QHP) through the Marketplace, 2) lower costs on your monthly premiums, or 3) cost-sharing reductions for a time period when you weren't enrolled in a QHP through the Marketplace.

12. You were determined ineligible for Medicaid because your state didn't expand eligibility for Medicaid under the Affordable Care Act.

13. You received a notice saying that your current health insurance plan is being cancelled, and you consider the other plans available unaffordable.

14. You experienced another hardship in obtaining health insurance.