INSURANCE GROUP INC.
(850) 244-3472

WHO TO INCLUDE IN YOUR HOUSEHOLD

HOUSEHOLD EQUATION: TAX FILER + SPOUSE + TAX DEPENDENTS = HOUSEHOLD

Follow these basic rules when including members of your household:
1) Include your spouse if you are legally married.
2) If you plan to claim someone as a tax dependent for 2016, MAKE SURE TO include them on your application.
3) If you will not claim them as a tax dependent, do not include them.
4) Include your spouse and tax DEPENDENTS even if they do not live with you.

CHART: Who to include in your household

RELATIONSHIP INCLUDE IN YOURHOUSEHOLD? Notes
Dependent children, including adopted and foster children Yes Include any child you will claim as a tax dependent, regardless of age.
Children, shared custody Sometimes Include children as household members only during years you claim them as tax dependents.
Non-dependent child under 26 Sometimes Include them only if you want to cover them on your Marketplace plan.
Children under 21 that you take care of Yes Include any child under 21 that you take care of and who lives with you, even if the child is not technically your dependent. (If a child under 21 has relied on you financially: you claim said child as a household member
Unborn children No Do not include a baby until it is born. You have up to 60 days after the birth to enroll your baby into health coverage.
Dependent parents Yes Include parents only if you will claim them as tax dependents.
Dependent sibling and other relatives Yes Include them only if you will claim them as tax dependents.
Spouse Yes Include 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 spouse No Do not include a legally separated spouse, even if you live together.
Divorced spouse No Do not include a former spouse, even if you live together.
Spouse, living apart Yes Include your spouse unless you are legally separated or divorced
Spouse, if you are a victim of domestic abuse, domestic violence, or spousal abandonment NOT REQUIRED In these cases, you do not have to include your spouse.
Unmarried domestic partner SOMETIMES Include an unmarried domestic partner only if you have a child together or you will claim your partner as a tax dependent.
Roommate No Do not include people you live with unless they are a spouse,tax dependent, or covered by another exception in this chart.