QUESTION

I’m raising my grandchild and claim her as a tax dependent. If I apply for Marketplace subsidies, will we be considered one household?

Individuals with no coverage | Eligibility for Premium Tax Credits and Cost-Sharing Reductions |
ANSWER

Yes, for Marketplace coverage and subsidies, a household includes the tax filer and the tax filer’s spouse and any tax dependents. Your grandchild may be eligible for Medicaid or CHIP because only a child’s income counts toward Medicaid or CHIP if she is claimed by someone who is not a parent or spouse. If she is, she will not be eligible for premium tax credits for Marketplace coverage. However, even if she qualifies for Medicaid or CHIP, you should still include her in your Marketplace application as part of your household. (Center on Budget and Policy Priorities, The Health Care Assister's Guide to Tax Rules.)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues