Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

Covered California Q&A

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.


Unmarried Household Eligibility?

By on | 3 Comments

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.

3 Comments

What if there are no children involved? This is an unmarried couple, with only one person having income. If the working person was told they could claim their significant other as a dependent due to providing over 50% support for the entire year, would that change the person with no income from a household of 1 to a household of 2 for Covered California?

Ernest: Yes. It is a 4-person household

Just to be clear, If there is an unmarried couple and only one person has income and the working person claims their significant other as a dependent along with the two children, would they be considered a household of 4 even though the couple is not married?

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164


© 2019 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.