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.
Since the Affordable Care Act (ACA) requires you to have health insurance, you might be wondering if the government is going to track you down and penalize you. Under the ACA, you can go up to three months in a row and not have to pay a penalty on your federal income taxes for being uninsured.