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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Calculating Household Income with Older Dependents

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Question: In regard to children staying on the parents plan until age 26, does this still apply to the exchange family plans? If so, would their income be part of the household income calculation then?

Answer: Covered California will include dependents between age 19 and 26 in family coverage. If they reside with the family over 50% of the year, their income will be included in the household total for premium assistance purposes. Total family premium is computed by adding their age-rated premiums onto the family premium of parent(s) and children under 19.


Sandy, you don’t have to claim your daughter as a dependent, but you might want to. She can either take her personal exemption or waive it and you can take a dependent exemption. A tax adviser can tell you which choice provides the better outcome in your case.

My 24 year old daughter is on my family health plan. She is employed and lives with me 12 months of the year . Do I need to claim her as a dependent on my 1040 income tax form?

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