If an uninsured parent moves in with a customer's family, can the customer add them to their application for coverage?

The correct answer is that yes, an uninsured parent can be added to the customer's application for coverage if they are living in the household. This is because the guidelines for health coverage applications generally state that anyone who resides in the household and is not currently insured can be included in the coverage application, irrespective of their tax filing status.

Household composition is a critical factor in determining eligibility for coverage on the Marketplace, and it allows for inclusivity where family members living together can be considered for shared coverage, even if they file separate tax returns. In this scenario, if the parent is indeed living in the same household, they can be added.

While a parent's tax filing status may affect some aspects of the application, it does not disqualify them from being included in the household for insurance purposes. This makes the focus on the living situation more crucial when submitting applications for coverage. Therefore, the notion that filing a separate tax return automatically excludes them from being included in the application is not accurate.