Question: We are an unmarried couple with two children. How do we count our household size and income when we apply for subsidies in Covered California? Can we buy one policy to cover the whole family?
Answer: It depends on how you file your taxes. Unmarried couples are never eligible to file a joint return, so no you cannot buy one policy for the entire family. If you and your partner file separate returns and you each claim one of your children, you each will be considered as a household of two. The income of each household would be evaluated separately to calculate eligibility for and the amount of premium tax credits and cost-sharing reductions. If one of you claim both children as dependents on your tax return, then you and your children will be considered a household of three. Your income will be the basis for determining subsidy eligibility for the 3 of you. Your partner will be a household of one and his/her eligibility for premium tax credits will be determined separately.