For the Health Insurance Marketplace, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.
Follow these basic rules when including members of your household:
See the limited exceptions to these basic rules in the chart below.
Learn more about who you can claim as a tax dependent from the IRS.
|Relationship||Include in household?||Notes|
|Dependent children, including adopted and foster children||Yes||Include any child you’ll claim as a tax dependent, regardless of age.|
|Children, shared custody||Sometimes||Include children whose custody you share onlyduring years you claim them as tax dependents.|
|Non-dependent child under 26||Sometimes||Include them only if you want to cover them on your Marketplace plan.|
|Children under 21 you take care of||Yes||Include any child under 21 you take care of and who lives with you, even if not your tax dependent.|
|Unborn children||No||Don’t include a baby until it’s born. You have up to 60 days after the birth to enroll your baby.|
|Non-dependent child or other relative living with you||No||Include them only if you’ll claim them as tax dependents.|
|Dependent parents||Yes||Include parents only if you’ll claim them as tax dependents.|
|Dependent siblings and other relatives||Yes||Include them only if you’ll claim them as tax dependents.|
|Spouse||Yes||Include your legally married spouse, whether opposite sex or same sex. In most cases, married couples must file taxes jointly to qualify for savings.|
|Legally separated spouse||No||Don’t include a legally separated spouse, even if you live together.|
|Divorced spouse||No||Don’t include a former spouse, even if you live together.|
|Spouse, living apart||Yes||Include your spouse unless you’re legally separated or divorced. (See next row for an important exception.)|
|Spouse, if you’re a victim of domestic abuse, domestic violence, or spousal abandonment||Not required||In these cases, you don’t have to include your spouse. See rules for victims of domestic abuse, domestic violence, or spousal abandonment.|
|Unmarried domestic partner||Sometimes||Include an unmarried domestic partner only if you have a child together or you’ll claim your partner as a tax dependent.|
|Roommate||No||Don’t include people you just live with — unless they’re a spouse, tax dependent, or covered by another exception in this chart.|
What if I’m single without dependents?How do I know which dependents’ income to include on my application?Do my spouse and I have to file taxes jointly to get Marketplace savings?Do I have to file federal taxes and apply for insurance with my spouse if I’m a victim of domestic abuse, domestic violence, or spousal abandonment?Why do I need to include people in my household who don’t need insurance?What if I’m a dependent on someone else’s tax return and want to get Marketplace insurance myself?