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 2016, 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.
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.
Who to include in your household
RelationshipInclude in household?Notes
Dependent children, including adopted and foster children
Include any child you’ll claim as a tax dependent, regardless of age.
Children, shared custody
Include children whose custody you share onlyduring years you claim them as tax dependents.
Non-dependent child under 26
Include them only if you want to cover them on your Marketplace plan.
Children under 21 you take care of
Include any child under 21 you take care of and who lives with you, even if not your tax dependent.
Don’t include a baby until it’s born. You have up to 60 days after the birth to enroll your baby.
Include parents only if you’llclaim them as tax dependents.
Dependent siblings and other relatives
Include them only if you’llclaim them as tax dependents.
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
Don’t include a legally separated spouse, even if you live together.
Don't include a former spouse, even if you live together.
Spouse, living apart
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
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
Include an unmarried domestic partner only if you have a child together or you’ll claim your partner as a tax dependent.
Don’t include people you just live with — unless they’re a spouse, tax dependent, or covered by another exception in this chart.