it deepdns on region or plan or etc. Open enrollment starts Nov. 1, 2015, and continues through Jan. 31, 2016.First of all as you k now, in 2015 as your income is so low that you aren?t required to file a tax return, then you're automatically exempt from the penalty. for married couples, the cutoff was $20,600. Even if you do file a return -- to claim a refund, you're exempt from the insurance requirement since your income is below the cutoff of $20,600.
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