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When you calculate possible exemption - it is calculated separately for each person - but you will need to use household income and number of persons in your household.
Thus if you want to verify if YOU are eligible foe the exemption - you may not use health insurance premiums paid for your spouse.
Sorry if you expected differently.
In this case - the premium would be apportioned to each of you.However "use the combined premium" would depends on the purpose...
If you meant to calculate possible exemption - as I mentioned - - it is calculated separately for each person - and the premium paid for YOUR policy would be used to determine your exemption.
The penalty is calculated based on MAGI,
but that is based on your income in each month - so if your income is not evenly distributed over teh year - you might be exempted for some months.
For any month during the year that you or any of your family members don’t have minimum essential coverage and don’t qualify for a coverage exemption, you are required to make an individual shared responsibility payment when you file your tax return.
In general, the annual payment amount is the greater of a percentage of your household income or a flat dollar amount, but is capped at the national average premium for a bronze level health plan available through the Marketplace.
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