ACA Who to include in your household

Who to include in your household

For the Health Insurance Marketplace, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

Tax filer + spouse + tax dependents = household

Follow these basic rules when including members of your household:

  • Include your spouse if you’re legally married.
  • If you plan to claim someone as a tax dependent for the year you want coverage, doinclude them on your application.
  • If you won’t claim them as a tax dependent, don’t include them.
  • Include your spouse and tax dependents even if they don’t need health coverage.

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.

RelationshipInclude in household?Notes
Dependent children, including adopted and foster childrenYesInclude any child you’ll claim as a tax dependent, regardless of age.
Children, shared custodySometimesInclude children whose custody you share onlyduring years you claim them as tax dependents.
Non-dependent child under 26SometimesInclude them only if you want to cover them on your Marketplace plan.
Children under 21 you take care ofYesInclude any child under 21 you take care of and who lives with you, even if not your tax dependent.
Unborn childrenNoDon’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 youNoInclude them only if you’ll claim them as tax dependents.
Dependent parentsYesInclude parents only if you’ll claim them as tax dependents.
Dependent siblings and other relativesYesInclude them only if you’ll claim them as tax dependents.
SpouseYesInclude your legally married spouse, whether opposite sex or same sexIn most cases, married couples must file taxes jointly to qualify for savings.
Legally separated spouseNoDon’t include a legally separated spouse, even if you live together.
Divorced spouseNoDon’t include a former spouse, even if you live together.
Spouse, living apartYesInclude 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 abandonmentNot requiredIn these cases, you don’t have to include your spouse. See rules for victims of domestic abuse, domestic violence, or spousal abandonment.
Unmarried domestic partnerSometimesInclude an unmarried domestic partner only if you have a child together or you’ll claim your partner as a tax dependent.
RoommateNoDon’t include people you just live with — unless they’re a spouse, tax dependent, or covered by another exception in this chart.

More answers: Who to include in your household

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?

source “healthcare.gov”