Scholarship and fellowship payments for tuition and fees and course-related expenses required of all students are not counted as income in determining your eligibility. Scholarship payments for room and board are included in determining eligibility for premium tax credits.

No. Cash inheritances are not counted.

The answer depends on whether she earned enough income to be required to file a federal income tax return on her own. Generally, kids who qualify as tax dependents aren’t required to file a federal income tax return or pay taxes on their income if they earned less than a threshold amount ($13,850 in 2023).

Yes, you will be considered as one household when you apply for premium tax credits. Note, however, your grandchild may be eligible for Medicaid or CHIP and not eligible for premium tax credits for coverage in the Marketplace.

Because you are not married, you will be considered two separate households for the purposes of determining eligibility for premium tax credits and Medicaid.

You all probably can enroll in the same family plan. Health insurers are required to offer dependent health coverage to young adults up to age 26 and for Marketplace plans offered on the federal platform, up until the end of the plan year after they turn 26.

Generally no. Married taxpayers are required to file a joint tax return in order to qualify for premium tax credits. People who use the “married filing separately” status are not eligible to receive premium tax credits. There is a special exception, however, for individuals who must file separately because of domestic abuse or spousal abandonment.

When you apply for the premium tax credit, you will be asked to estimate your expected income for the upcoming year. Often a good place to start is to consider what your income is this year, or what income you reported on your tax return last year.

In reviewing your application, the Marketplace will compare the amount of income you estimate for next year to the most recent information about your income that is available (usually, that will be the tax return you filed this year reporting last year’s income.

A link provided here to HealthCare.gov can provide some examples of what types of documents are accepted to help verify income.