When calculating household income, which family members should be included?

When calculating household income for the purpose of determining eligibility for coverage and subsidies in the health insurance marketplace, it is important to include all family members in the household. This includes anyone who lives with the applicant, regardless of whether they are seeking coverage, are dependents, or are filing taxes together.

The rationale behind including all household members is that the goal is to assess the total income available to the household. This total is what determines the eligibility for premium tax credits and cost-sharing reductions. By taking into account all individuals residing in the household, the calculation reflects a more accurate financial picture, enabling the marketplace to provide the appropriate assistance based on overall household income, rather than narrowing it down to only those who may individually apply or file taxes in a certain way. This comprehensive approach ensures fairness in access to affordable health coverage for all members of the household.