The complications of health insurance are still out there, and perhaps you’ve decided to finally get insurance after putting it off for a while due to your income. Obamacare is still there for you, and there isn’t any more essential time to get it than now. No doubt you had to pay a penalty on your taxes last year if you didn’t have Obamacare. Currently, that’s 2% of your annual income, even though you do have exemptions.

With that, you’re probably pondering the question: Am I eligible for Obamacare? It all depends on certain circumstances involving citizenship, plus specific incidents occurring in your life.

Income doesn’t factor into the picture, and some states offer more affordable (if not free) health care services if you have an overly low income. Nevertheless, the savings on your premiums are quite exponential with Obamacare. Take a look and see if you’re in line to enjoy the benefits of a full health plan for 2016.

American Citizenship

As you might guess, if you don’t live in the United States, you’re not eligible for Obamacare. You need full citizenship, or at least be lawfully present. Things work slightly differently if you live overseas part of the year. The rule is that if you live in a foreign country for at least 330 days of the year, you don’t have to acquire Obamacare if you don’t want it.

What’s important for you to know is, if you do need insurance, you can still get Obamacare if you live in another country part of the time.

Those Incarcerated Aren’t Eligible

Having a criminal record doesn’t necessarily mean you’re banned from obtaining Obamacare. The only stipulation is that you can’t sign up if you’re currently incarcerated in prison. However, you’re eligible for insurance after you’re released. According to, you’ll have 60 days to sign up for health insurance after being released from incarceration.

You’re also exempt from paying any penalty for not having Obamacare during the time your incarceration took place.

Dealing with Obamacare Penalties

For any reason that you have to drop your health insurance through Obamacare during the coming year, you’ll still have to pay a penalty. While a “no coverage” penalty during the entire year means 2% of income, you only pay 1/12 of the yearly penalty fee for each month you’re not covered.

As mentioned earlier, you do have exemptions due to specific life events. Some of these include job loss, or loss of income due to caring for an ill family member.

Contact us here at National Health Insurance Agencies to find out more information about Obamacare and how to get insured to keep your family’s health strong.