While the CFPB reviews the situation, stay-at-home spouses do have a few options for establishing credit and financial assistance even if they do not qualify for a standard credit card.
They are kept that way by the constitution, which separates police officers from other public servants, meaning they do not qualify for the standard minimum wage and the 40-hour weekly work limit.
In substance, then, all the new penalty really does is provide that you must have health insurance in order to qualify for the full standard deduction.