People may apply for a hardship exemption from the marketplace if they have experienced difficult financial or domestic circumstances that prevent them from obtaining coverage — such as homelessness, death of a close family member, domestic violence, bankruptcy, substantial recent medical debt, or disasters that substantially damage a person’s property. People may also apply for a hardship exemption if obtaining coverage would be so burdensome as to cause the applicant to experience other serious situations like the deprivation of food, shelter, or other necessities. Consult your marketplace for more information about hardship exemptions. (26 U.S.C. § 5000A (e)(5); 45 C.F.R. § 155.605; HealthCare.gov, Hardship exemptions, forms & how to apply).