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IRS Change Affecting Individual Mandate







The Internal Revenue Service (IRS) has signaled a change in how it monitors compliance with the Affordable Care Act’s (ACA) individual mandate. Under this change, tax returns will no longer be automatically rejected if they do not certify whether the individual had health insurance for the year.


The new IRS policy on accepting “silent returns,” or returns that do not provide health insurance coverage information, is based on President Donald Trump’s executive order directing federal agencies to provide relief from the burdens of the ACA.


The IRS’ policy change does not eliminate the ACA’s individual mandate penalty. Individuals must continue to comply with the ACA’s requirements, including paying any penalties that may be owed.


Despite the continued applicability of the law, many have argued that this policy change will make it easier for individuals to avoid having health insurance coverage, without having to pay an individual mandate penalty. Opponents of the policy change claim that it will erode health insurance enrollment, which could undermine the ACA as a whole.


With the American Health Care Act (AHCA) working its way through the legislative process, filing rules may change abruptly. Brady, Chapman, Holland & Associates, Inc. will keep you apprised of any pertinent developments. Until then, continue to follow the ACA mandates.




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About Us

BCH has a unique approach to advising our clients on how to control their Total Cost of Risk, not simply insurance cost. The Total Cost of Risk (TCOR) includes preventive, direct and indirect costs associated with operating a business. The BCH approach includes collaborating with our clients to create a long range written plan for controlling their TCOR .