Question: When applying for coverage, do you claim the number of dependents on your tax return or by the number of family members that need health coverage? We are a family of four, but one dependent son is covered by a university scholarship that offered health insurance.

Answer: For the purposes of determining your eligibility for premium assistance, your household size is considered to be four persons. Your son who is away in college has “minimum essential coverage” through his school, so the three other household members get a larger subsidy based on a four-person household.