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How to legally bypass Obamacare in 2014

Millions of Americans can now use less expensive coverage

Up to five million Americans who bought their own health insurance received letters that their plans would not be renewed in 2014. The replacement Obamacare policies are typically more expensive and have higher deductibles and out-of-pocket costs than their older traditional insurance plans. On December 19, 2013, the Centers for Medicare and Medicaid Services, the federal agency charged with implementation of this part of Obamacare, announced that anyone who had their individual insurance cancelled could apply for a hardship exemption and use less expensive coverage for 2014.

To exercise this option, follow these three steps:

1. Download and complete a "Hardship Exemption Form" from If you need help filling out the exemption form call the Health Insurance Marketplace Call Center at 1-800-318-2596

2. Mail the form to Health Insurance Marketplace – Exemption Processing, 465 Industrial Blvd., London, KY 40741 in order to be exempt from the tax penalty. Be sure to keep a copy for your records

3. You might be able to find a better-suited coverage online at from among the wide range of qualifying and non-qualifying insurance options. If the new qualifying plans from the Members Insurance exchange are too expensive or have higher out-of-pocket costs, consider the popular short term or temporary medical insurance plans or a mini-med policy. If you need help finding the best alternate insurance option, call a Members Insurance Exchange representative at (800) 609-0683.

Additional resources:

"I don't have health insurance" (for CPAs and financial advisers)

Stop worrying about the health insurance penalty

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.