If two consumers are not in the same tax household, are they automatically eligible for APTC or CSR?

If two consumers are not in the same tax household, are they automatically eligible for APTC or CSR?

• A. Yes
• B. No
• C. Only if they file jointly
• D. Not relevant

Answer: (B)

APTC and CSR are determined by your tax household and your reported income, not simply by being in the Marketplace together. If two consumers aren’t in the same tax household, credits aren’t automatically available for one person’s coverage based on the other’s status. Each person would need to qualify for APTC or CSR based on their own tax filing status and household income. In short, credits aren’t shared across separate tax households, so the answer is No.

APTC and CSR are determined by your tax household and your reported income, not simply by being in the Marketplace together. If two consumers aren’t in the same tax household, credits aren’t automatically available for one person’s coverage based on the other’s status. Each person would need to qualify for APTC or CSR based on their own tax filing status and household income. In short, credits aren’t shared across separate tax households, so the answer is No.