If you have decided to enroll in the ICHRA Health Care Plan your company is sponsoring, there are a few guidelines on who you can and can not include when determining your subsidy eligibility.
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, do include 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.
|
| Who to include in your household |
Relationship | Include in the 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 only during 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. Click here if you are not legally separated or divorced. |
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. |
If you have any questions or issues you can always reach our support team by
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