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Avoid “Penalty Fee” for Not Having Health Insurance

All Oklahomans may avoid the penalty fee for not having health insurance if they apply for a waiver from the federal government.

Use our step-by-step instructions below to fill out the required form.

Instructions for Oklahomans:

Download the form onto your computer. Locate the document you downloaded and open it using Adobe Reader. The form must then be filled-in on a computer, then printed, signed, and mailed to the address in Kentucky on the form.

Step 1 on form:

  • The person who files federal taxes in your household should fill out the form with Boxes 1-19 with name, address, contact information, etc.

Step 2 on form:

  • Fill-in names and information for all persons on your tax return, so they all can get an exemption from the fee
  • For “Type of hardship” check Box 14, then fill-in Tax Year 2018 and dates 01/01/2018 to 12/31/2018.
  • Under Box 14, look for “Select the names….” and check “Select all”, if appropriate
  • In the “Explain how…” text box, you might write: “In my county in Oklahoma, the Health Insurance Marketplace has only one insurance company and this is a hardship because______” then add your reason, such as cost or access.

Step 3 on form:

  • Print the form.
  • Read the agreement statements, then sign the form.

Step 4 on form:

  • Mail your signed form to the listed address in Kentucky.
  • Read “What happens next?” about receiving your “penalty fee’ Exemption Certificate Number (ECN) to put on your tax return. 

To apply for exemption from fee for 2016 or 2017 tax year:

Complete a separate form for each year, following Steps 1 and 2 (above). Use the dates for 2016 or 2017 with Box 14 in Step 2 of the form. Sign and mail the form as in Steps 3 and 4.

Receive your “penalty fee” Exemption Certificate Number (ECN) to put on an amended tax return for 2016 or 2017.

More information from IRS

Background Information for Oklahomans

Because all counties in Oklahoma have only one choice of insurer on the Healthcare.gov Marketplace, new Federal guidelines allow state residents to apply for an exemption from the fee that is applied for people who do not have health coverage. This fee still in effect for 2018 tax returns.

Oklahomans can also apply for exemptions for 2016 and 2017, then file amended tax returns for those years to have the fee refunded.

Those who already have an exemption from the fee, such as Tribal Nation Members or low-income Oklahomans, do not need to complete this new exemption form.

About 140,000 Oklahomans are covered through Blue Cross Blue Shield by Marketplace health plans. These plans cover pre-existing conditions and are available mid-year if you lose current coverage from a job, get divorced, or if your SoonerCare coverage ends. Average 2018 premiums are $37 per month for those who qualify for discounts.

Information about plans and costs is available, without giving a name or phone number, at healthcare.gov/see-plans.

Learn more:

  • Healthcare.gov/exemptions 
  • 1-800-318-2596 (open 24/7) TTY 1-855-889-4325
  • In person: There may be trained assisters in your area who can help. Call 211 in Oklahoma (open 24/7)
  • En Español: Llame a nuestro centro de ayuda gratis al 1-800-318-2596
  • Other languages: If you need help in a language other than English, call 1-800-318-2596. They’ll provide free help in your language