My 24-year-old daughter is eligible for premium tax credits and a cost-sharing reduction. We are not eligible for any financial assistance, but we would all like to enroll in the same Marketplace plan. We do not claim her as a tax dependent. Can we do that?

You do not need to claim your daughter as a tax dependent to be covered on your Marketplace health plan; however, since you do not claim her as a tax dependent, she will likely have to submit a separate application, and she likely will not be able to apply her premium tax credits to your shared plan. Additionally, because you do not qualify for cost-sharing subsidies, she will not be able to apply hers to your shared plan.

Because you no longer claim your daughter as a tax dependent, she is considered to be in a different tax household from you, and she will likely need to file her own federal income tax return if she would like to take advantage of her tax credits and subsidy.