Author Topic: Different ACA plans for family members  (Read 1486 times)

Paul der Krake

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Different ACA plans for family members
« on: March 19, 2019, 06:02:06 PM »
I've been playing with mutiple calculators and I think it's always more advantageous to have both spouses on the same plan, unless not eligible for subsidies at all.

Has anyone successfully enrolled with their spouse, filing married jointly, into different ACA plans and gotten subsidies in a way that made sense financially?


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Re: Different ACA plans for family members
« Reply #1 on: March 20, 2019, 08:26:36 PM »
From my reading of Form 8962 I'm not seeing anything that would indicate the premium tax credit would be different if you were on separate plans or the same plan. It's all based on your household income and what the second-lowest cost silver plans would cost in your area.

Getting that tax credit fronted to you by the exchange may prove more difficult when you choose to split up. I have no experience with that.

Rick Imby

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Re: Different ACA plans for family members
« Reply #2 on: March 27, 2019, 05:40:59 PM »
Having been very lucky and healthy for many years I went with one of the Christian health sharing plans.  Minimal coverage except for big expenses.