Does my spouse need to drop their employer's insurance if I want subsidized individual insurance?
submitted by nickisun
on 08/06/17
1
A common question we hear in our customer care center is, "My spouse has insurance from an employer. Will they need to give up that employer-based coverage if I want to buy insurance for myself on the individual market?" No. There is no requirement in the Affordable Care Act that spouses be on the same plan. But, if you want to qualify for a premium tax credit or subsidy to lower the cost, be aware that subsidies are based on your total household income level. So, even though your spouse will not be covered by the subsidized insurance plan, their income will be calculated when determining the level of subsidy you're eligible for.
