Question: 40 year old and 2 kids live with both parents/grandparents. 40 year old is currently unemployed with no income. Parents do not claim the 40 year old or the kids as dependents as she intends to work again soon. The question is, are there 5 in the household or 3 if the parents/grandparents do not claim the others as dependents? If the answer is 5, are we supposed to obtain income information from the parents/grandparents even though they have nothing to do with the insurance coverage?
Answer: The mom and 2 kids apply as a household of three and use her income alone for eligibility determination. Remember this general rule, “If you file together, you shop together”.