OFX, an online currency exchange platform formerly known as USForex, charges no transfer fees regardless of how much gets sent. Exchange rate markups tend to be less than 1%, so you also get favorable rates too. You can send money to 91 countries, via phone, online or mobile app. But there are downsides.
How to avoid the Obamacare penalty. The simplest way to avoid the Obamacare penalty is by having insurance. The ACA set up the Health Insurance Marketplace to make this possible. There, you can search for plans and prices, or be directed to your state-specific marketplace that provides the service for your area.
If you have health insurance, you don't have to worry about paying a penalty. If you don't have coverage for two or more months in 2015, you may be subject to paying a tax penalty on your 2015 federal income tax return due April 18, 2016.