<prompt> Human: Hello Personal Finance,I am stuck in a situation with health care, and would appreciate any and all advice. I am about to turn 26 and lose my parents coverage. For income, I am an independent contractor and do various things from website development to social media management and language translations.I spend anywhere from 50-70 of the year living abroad and working remote. This is my first time having to apply for health care, and so far all the help desk numbers ive called havent been much help.My question is this: I really want to avoid being fined on my taxes for not being covered. Am I able to waive and fees for months I am abroad, and then just get coverage when I am in the U.S.? Do I need year round coverage in the U.S. even if I spend the majority of my time living abroad?I am really new to this, so any advice and points in the right direction would be greatly appreciate. Many thanks in advance.  <response>: Form 8965 instructions have an exemption code C related to US citizens living abroad, but the requirements about physical presence sound like they are not met if you are just spending 50-70 of the year abroad.Citizens living abroad and certain noncitizens code C. You can claim a coverage exemption for yourself or another member of your tax household to which any of the following apply. The individual is a U.S. citizen or a resident alien who is physically present in a foreign country or countries for at least 330 full days during any period of 12 consecutive months. You can claim the coverage exemption for any month during your tax year that is included in the 12-month period. For more information, see Physical Presence Test in Pub. 54, Tax Guide for U.S. Citizens and Resident Aliens Abroad.Form 8965 instructions Pub 54 ---Ill point out that you can look into using 1040 line 29 self-employed health insurance deduction to your advantage if you are a sole-proprietor contractor. That lets you deduct premiums from your income above the line -- no need to itemize using Schedule A or meet any 10 of AGI threshold. 