Question: When a married couple is separated but not divorced, maintaining two households instead of one and having 2x the housing expenses, is that a factor that can be taken into account in determining whether each of them is eligible for a subsidy for the purchase of insurance?
Answer: No. Your living expenses are not considered in determining your eligibility for premium assistance under ACA rules. Your tax filing status and adjusted gross income (AGI) are the only considerations. As a married couple living separately, your federal income tax filing status is key. If you file as "married filing jointly", you may be eligible for premium assistance depending on your joint income. You and your husband and any dependents would be considered one household even if you live apart. If you file as "married filing separately, neither you or your husband will be eligible for premium assistance.