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Daughter 38 without insurance lives with insured parents. Earned $3000. Parent provides over 1/2 of support. Any penalty under ACA. Daughter cannot afford insurance.
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If the parents claim the daughter as a dependent, yes (unless the parents qualify for an exemption).
If the parents choose not to claim the daughter, I think technically the penalty may apply to the parents (I would need to look that up), but in reality, nobody actually does it that way.
As a side note, depending on what State they live in, the daughter may qualify for Medicaid.
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