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Count income & household size

Who to include in your household

For the Health Insurance Marketplaceยฎ, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

Tax filer + spouse + tax dependents = household

Follow these basic rules when including members of your household:
  • Include your spouse if youโ€™re legally married.
  • If you plan to claim someone as a tax dependent for the year you want coverage, do include them on your application.
  • If you wonโ€™t claim them as a tax dependent, donโ€™t include them.
  • Include your spouse and tax dependents even if they donโ€™t need health coverage.
See the limited exceptions to these basic rules in the chart below.
Who to include in your household
RelationshipInclude in household?Notes
Dependent children, including adopted and foster childrenYesInclude any child youโ€™ll claim as a tax dependent, regardless of age.
Children, shared custodySometimesInclude children whose custody you share only during years you claim them as tax dependents.
Non-dependent child under 26SometimesInclude them only if you want to cover them on your Marketplace plan.
Children under 21 you take care ofYesInclude any child under 21 you take care of and who lives with you, even if not your tax dependent.
Unborn childrenNoDonโ€™t include a baby until itโ€™s born. You have up to 60 days after the birth to enroll your baby.
Non-dependent child or other relative living with youNoInclude them only if youโ€™ll claim them as tax dependents.
Dependent parentsYesInclude parents only if youโ€™ll claim them as tax dependents.
Dependent siblings and other relativesYesInclude them only if youโ€™ll claim them as tax dependents.
SpouseYesInclude your legally married spouse, whether opposite sex or same sex. In most cases, married couples must file taxes jointly to qualify for savings.
Legally separated spouseNoDonโ€™t include a legally separated spouse, even if you live together.
Divorced spouseNoDon't include a former spouse, even if you live together.
Spouse, living apartYesInclude your spouse unless youโ€™re legally separated or divorced. (See next row for an important exception.)
Spouse, if youโ€™re a victim of domestic abuse, domestic violence, or spousal abandonmentNot requiredIn these cases, you donโ€™t have to include your spouse. See rules for victims of domestic abuse, domestic violence, or spousal abandonment.
Unmarried domestic partnerSometimesInclude an unmarried domestic partner only if you have a child together or youโ€™ll claim your partner as a tax dependent.
RoommateNoDonโ€™t include people you just live with โ€” unless theyโ€™re a spouse, tax dependent, or covered by another exception in this chart.

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