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 he declined to get insurance, he would only be subject to a $400 penalty for the year. A couple earning that amount would receive a roughly $1,300 subsidy, leaving them to pay about $4,750 in premiums for the year. But that compares to a $300 penalty. For some folks, health insurance just isn't a good deal. Take Jessica Birge, 29, who is studying nursing and works as a medical assistant.