Health sharing programs are exempt from ACA tax penalties. Many individuals seek an exemption because they cannot afford health insurance coverage. Individuals who are a member of a federally recognized tribe, incarcerated, or a participant in a recognized health care sharing ministry can claim an exemption when they complete their federal tax return, or apply for an exemption by completing the right form ahead of time. Consult with a licensed agent at Phoenix Health & Life Insurance to learn more about ACA requirements and exemption opportunities.