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My 24-year-old daughter, who is working, lives near me and my spouse. We do not claim her as a tax dependent. She is eligible for premium tax credits and a cost-sharing reduction. We are not eligible for any subsidies, but we would all like to enroll in the same plan. Can we do that?

You can all enroll in the same family plan, because the ACA requires insurers to offer dependent health coverage to adult children up to the age of 26. Because you no longer claim your daughter as a tax dependent, she is considered to be in a different tax household from…

What income is counted in determining my eligibility for premium tax credits?

Eligibility for premium tax credits is based on your Modified Adjusted Gross Income, or MAGI. When you file a federal income tax return, you must report your adjusted gross income (which includes wages and salaries, interest and dividends, unemployment benefits, and several other sources of income.)  MAGI modifies your adjusted…

I am covered in a Marketplace health plan now and want to renew that same policy for next year. Currently, though, I am behind on my premium payments. I haven’t paid the November premium; I know I have a grace period, through the end of January, to get caught up. Meanwhile, if I at least pay my January premium, will that ensure my coverage remains in effect for next year?

No.  When you are in a grace period that spans a calendar year, your insurance company will send you a bill for your January premium and will also bill you for your past-due premium debt.  If you only pay the January premium, the insurance company can apply that payment to…

I’m under 26 and eligible to be covered as a dependent under my mom’s job-based policy. Mom no longer claims me as a tax dependent – I file my own taxes, though my income isn’t very high. If subsidized Marketplace coverage would be even more affordable to me can I sign up for that instead?

Yes. Although the general rule is that people are not eligible for Marketplace subsidies when they are also eligible for affordable job-based health coverage, there is a special rule for young adults. As long as a young adult is not claimed as a tax dependent by her parents, the availability…

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