Question: Parents with dependent. Parents claim on taxes. Dependent is 23 and out of state. How to handle this? Insurance where parents are or kid? Separate? State or fed program?

Answer: As mentioned before, Covered California has yet to publish comprehensive guidelines for “household” determinations, but I’ll go out on a limb for you. If your “kid” is a full-time resident of another state, he or she may apply that for state’s exchange coverage and be eligible for premium assistance. You would not count this kid as part of the household in California regardless of tax status. Your kid must be a full time student or disabled to be claimed as a dependent over age 18 and that expires in the year he or she turns 24.