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Who is in your household?

You may have a roommate, a friend sleeping on your couch, or family staying with you, but should you include them on your Marketplace application? The quick answer is “not necessarily." Let's explain.

Who should you include?

You (the tax filer) + spouse + tax dependents = household

  • You should include your spouse if you are legally married.
  • Include your spouse and all tax dependents, even if one or more of them does not need health coverage.
  • Do not include anyone living or staying in your home who will not be claimed as a tax dependent.

There are some exceptions to the rules above.

Relationship
Include on application?Notes to consider
Dependent children, including adopted and foster childrenYesInclude any child you will claim as a tax dependent, regardless of age.
Children you share custody ofSometimesInclude children whose custody you share only during years you claim them as tax dependents.
Nondependent children younger than age 26SometimesInclude them only if you want to cover them on your Marketplace plan.
Children younger than age 21 who you take care ofYesInclude any child younger than 21 you take care of and who lives with you, even if not your tax dependent.
Unborn childrenNoDon't include a baby until it is born. You have up to 60 days after the birth to enroll your baby.
Child or other relative living with you who is not a tax dependentNoInclude only if you will claim them as tax dependents. Learn more about the rules of who can be claimed as a dependent from the IRS.
Parents who are your dependentsYesInclude only if you will claim them as tax dependents. Learn more about the rules of who can be claimed as a dependent from the IRS.
Siblings and other relatives who are your tax dependentsYesInclude only if you will claim them as tax dependents. Learn more about the rules of who can be claimed as a dependent from the IRS.
SpouseYesInclude your legally married spouse, whether opposite sex or same sex. In most cases, you and your spouse must file taxes jointly to qualify for financial assistance.
Legally separated spouseNoDon't include a spouse if you are legally separated, regardless of your living situation.
Divorced spouseNoDon't include a former spouse, regardless of living situation.
Spouse if you're living apartYesInclude your spouse unless you are legally separated or divorced (except in the situation below).
Spouse, if you are a survivor of domestic abuse, domestic violence, or spousal abandonmentNot requiredThese are limited situations in which you do not have to include your spouse on your application, even if you are still married or not legally separated.
Unmarried domestic partnerSometimesYou need to include your unmarried domestic partner only if you have a child together or your partner will be claimed as your tax dependent.
RoommateNoNever include people you live with, unless they are your spouse, tax dependent, or included because of another exception on this chart.