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There is little info from accountants on the internet on this, but I read at least one comment that the lower AGI does not even qualify for sharing if their income is below the 100% FPL because technically that person qualifies for medicare? Is this true in your experience AJ?

It's not Medicare - it's Medicaid. Medicare is mainly for those over 65 and is administered by the Federal government; Medicaid is administered by the state governments, and some expanded Medicaid, while others didn't - so it's dependent on the state who qualifies for Medicaid (or not).

If your income is below 138% of the FPL and you live in a state that didn't expand Medicaid, you have an exemption from the ACA penalty. If you live in a state that expanded Medicaid, you will likely either qualify for Medicaid or for the Premium Tax Credit subsidy, so if you don't sign up for insurance, you will have to qualify for another exemption, or pay a penalty.

Note: People who move from one state to another during the year and are covered through a state program need to be sure to change their coverage to the new state when they move.

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