QUESTION

I have Medicaid coverage just for the care I need while I’m pregnant. Does that count for the individual responsibility requirement?

Individuals with no coverage | Individual Responsibility Requirement (Individual Mandate)
ANSWER

It depends. Medicaid coverage for pregnant women counts as minimum essential coverage in states that provide full Medicaid benefits under such pregnancy-related coverage or under pregnancy-related CHIP coverage that also provides full CHIP benefits. If the coverage only provides pregnancy related services, then it is not considered minimum essential coverage. There is a hardship exemption for people enrolled in pregnancy-only Medicaid coverage, coverage through enrollment of an unborn child in CHIP, or Medicaid medically needy coverage with limited benefits that is not considered minimum essential coverage. (IRS, Notice 2014-71; CMS, SHO#14-002, Minimum Essential Coverage, Nov. 7, 2014). 

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