What happens with the premium tax credits if we want different Marketplace plans for different family members?

Assuming you are part of one application, the members of your household can enroll in separate plans in a health insurance Marketplace. For example, you may want separate plans because a grown child lives in another part of the state or because your spouse needs a plan with a different provider network than the one you chose. The premium tax credit will be allocated to the plans in which different family members enroll. However, if you have a grown child who you do not include as a tax dependent, his or her income will be counted separately for determining eligibility for subsidies. Note also that you may have higher out-of-pocket costs if you have separate plans (for example, with separate deductibles) as opposed to one family plan (with one deductible for the entire family).