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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.

Marriage Causes Payback?

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Question: I just got married in december 28 2015, my husband has his own insurance thru his employer, in 2016 i am covered by my husband, why am i being charged in our joint tax filing in 2015?

Answer: You changed your tax status from single to married filing jointly for the 2015 tax year. As a 1-person household, you were eligible for premium assistance based on your income alone. Now your assistance is calculated on a 2-person household (even though your husband has employer-based coverage) and your joint income. You are paying extra tax to recover some or all of the premium assistance for which you are no longer eligible.


I need to correct my previous comment. You cannot file as an individual, but there is an “Alternate Calculation” for situations such as yours. See IRS Publication 974 for the details


You can forego the Married Filing Jointly tax status for 2015 and file as Individual. This will preserve your APTCs assuming your individual income was accurate.

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