When calculating household income, should only family members seeking coverage be included?

The statement that only family members seeking coverage should be included in the calculation of household income is false. When determining household income for marketplace eligibility, it is essential to consider the total income of all members of the household, not just those who are applying for coverage.

This inclusive approach takes into account the financial resources of the entire household, which can impact the eligibility for subsidies and assistance programs available through the marketplace. Household income is typically defined as the modified adjusted gross income (MAGI) of the tax household, and this includes income from all individuals who are used to determine the household's tax status, regardless of whether they are applying for coverage themselves.

To accurately reflect an individual's needs and potential subsidies, it is crucial to provide a comprehensive overview of the household's financial situation rather than limiting the income calculation to only those individuals seeking insurance coverage.