If you’re 30 and older and want Catastrophic coverage, you must qualify for a "hardship" or "affordability" exemption.For plan years 2018 and earlier, other kinds of exemptions were granted based on certain hardships and life events, health coverage or financial status, membership in some groups, and other circumstances to avoid paying a fee that’s no longer required.Related contentFind out how to claim an exemption to qualify for Catastrophic coverage