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.
There is no penalty for gaps in coverage of three months or less, and the penalty is pro-rated by the number of months in a year the taxpayer is without coverage. The IRS is limited in its ability to collect the penalty. The ACA does not allow the IRS to file a Notice of Tax Lien for failure to pay the penalty.