Thanks, Bill.  I was not aware of the March deadline for the 1095-B.  Or that Medi-cal even issues them.  They told me they don't have insurance, only the working father does.  So I'm going to have to assume that they (wife and kids) do NOT have health insurance.  That's what they told me, and that's how they've been reporting it.  I found  out that they are ALL here on Visas - his is TN, theirs is TD.  Not sure what that means, but tells me that they are here legally.   Sooo... they should not have an exemption, from what I can tell... agreed?  I guess I could ask what the cost would be to insure them, on the off-chance it exceeds the 8%-ish.  He makes six figures, so I'm thinking likely not.  But who knows, premiums are ridiculous!