Can I avoid the Affordable Care Act tax penalty by reducing my tax liability to which I'd get no refund?

Don't listen to your co worker, there is no such thing as being exempt or non exempt from a refund, if you don't owe what has been withheld you are due the refund what she is probably alluding to is claiming on your W-4 as exempt or non and to claim exempt you must not have owed any tax the previous year, and do not anticipate you will make as much as your non taxable income n the current year if you are single that is $10300 for 2015 the amount changes each year and it also changes by your status and dependents you can claim if you have questions most can be found at www.irs.gov rather than listen to someone who has very little knowledge of taxes.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.