I can't afford insurance and can't qualify for subsidy. What can I do?

I can't afford insurance and can't qualify for subsidy. What can I do?
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I work part-time. My husband is a teacher and his job pays for his insurance. If I want to be covered by his plan, it would be $460 a month. Where I’m part time I don’t get insurance through work. But the fact that his offers it screws me out of a subsidy. I can’t qualify for medicare because I’m not pregnant. If I go through the exchange, it’s $235 and going up to $300 next year for insurance. We can’t afford this. What option do I have? If I don’t have insurance, we get fined. But we can’t afford this.


It’s a very difficult decision you have to make.
Your options are your husband’s insurance ($5,520/yr), the exchange ($3,600/yr) or be penalized for not having coverage (see below) Only you can make that decision.
The fee for not having health insurance in 2016 & 2017
The fee is calculated 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.
Percentage of income
2.5% of household income
Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace
Per person
$695 per adult
$347.50 per child under 18
Maximum: $2,085
Paying the fee
Using the percentage method, only the part of your household income that’s above the yearly tax filing threshold ($10,300 for individuals, $20,600 for couples filing jointly in 2015, the most recent year available) is counted.
Using the per-person method, you pay only for people in your household who don’t have insurance coverage.
If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you (or your tax dependents) don’t have coverage. If you’re uncovered only 1 or 2 months, you don’t have to pay the fee at all. Learn about the “short gap” exemption.
You pay the fee when you file your federal tax return for the year you don’t have coverage.
Hope this helps!


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