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Most people who don't have qualifying health coverage must either pay a fee or qualify for an “exemption.”
Health coverage exemptions are available for a variety of reasons: certain life events, health coverage or financial status, group membership, and more. If you qualify, you don’t have to pay the penalty for the months you were uncovered and the exemption applies.
This tool can only provide an estimate of the Shared Responsibility Payment - to determine the payment, use the Shared Responsibility Payment Worksheet in the Instructions for Form 8965.
If you qualify as a dependent of another taxpayer, only the person who is able to claim you as a dependent will be liable for the payment, if any.