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Still, you had better be planning your taxes where you owe just a little instead of getting any kind of refund. They might just up and determine that your insurance does not fit the minimum level of coverage they think you should have.

I know for a fact that my short term health insurance policy doesn't meet minimum level requirements (the insurance company discloses that to me every time I renew it). But it doesn't matter; because I am also a member of a health sharing ministry, I am exempt. I did the math, and because I didn't quality for Obamacare subsidies but I wanted insurance, the short-term insurance + health sharing ministry was the best value option. Short Term insurance has all my doctors and takes care of paperwork, but the health sharing ministry helps me avoid Obamacare penalties.