I'm currently on OPT (F-1 visa) and I came to the U.S.A on September, 2013.

1) I heard F-1 visa holders (even if you're on OPT) are exempt from holding health insurance requirement (Obamacare) EXCEPT if my yearly income is above the minimum threshold income requirement and I have been staying in the USA more than 5 calendar years. Is this true?

2) I'm currently earning $2700/month (gross income before tax) and I'm pretty sure my income exceeds minimum threshold income requirement. Does it mean I need to have a health insurance in order to prevent a penalty fee for not having health insurance when filing a tax return?

3) If above two are true, do you have a plan that suffices a health insurance with minimum requirement set by government to prevent a penalty fee when filing a tax return? If so, please provide me a link with more details.

Thank you,