Continued from page 3

The insurance marketplaces weren’t designed to serve people whose low incomes qualify them for expanded Medicaid instead. But some states have declined to expand their Medicaid programs. That means that in those states, many poor people will get left out.

People who fall into the gap won’t be penalized for failing to get covered.

Some others are exempt from the insurance mandate, too: American Indians, those with religious objections, prisoners, immigrants in the country illegally, and people considered too poor to buy coverage even with financial assistance.

___

THE IRS IS WATCHING YOU

The law says people who aren’t covered in 2014 are liable for a fine. That amounts to $95 per uninsured person or approximately 1 percent of income, whichever is higher. The penalty goes up in later years.

A year from now, the Internal Revenue Service will be asking taxpayers filing their forms for proof of insurance coverage. Insurance companies are supposed to provide that documentation to their customers.

If you owe a penalty for being uninsured, the IRS can withhold it from your refund.

The agency can’t put people in jail or garnishee wages to get the money. But it can withhold the penalty from a future year’s tax refund.

___

Follow Connie Cass on Twitter at https://twitter.com/ConnieCass