The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

We are a married, same-sex couple. When we apply for Marketplace subsidies, will the Marketplace consider us a married household?

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

The Marketplaces in all states treat same-sex married couples the same as opposite-sex couples. Assuming you file or plan to file your federal income taxes as a married couple, you can apply for premium tax credits as a married couple. (Healthcare.gov, Health care coverage options for same-sex married couples.)

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