Under the Affordable Care Act everyone who files a federal income tax form will soon be required to have health insurance or face a penalty. Open enrollment in the Maryland Health Benefit Exchange and similar exchanges across the nation begins on October 1. In the Baltimore Sun‘s “Picture of Health” blog, analysts from The Hilltop Institute at UMBC demystify this insurance requirement, explaining the penalty as well as exemptions, such as for individuals whose income is below a certain threshold or who can claim one of the exemptions specified in federal law (e.g., religious conscience, hardship).
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