Married & Having Seperate Subsidy Plans

[infoseeker]

Just spoke with a married couple they said they went to healthcare.gov and they were signed up separately for different individual plans . Didn't think this was possible if filing jointly as a married couple or they would have to file separately i guess

 

[dgoldenz]

Just spoke with a married couple they said they went to healthcare.gov and they were signed up separately for different individual plans . Didn't think this was possible if filing jointly as a married couple or they would have to file separately i guess

Can't get a subsidy if married filing separately. I believe you can ungroup the two people in the HC.gov account and put them into two different plans. Haven't tried it myself.

 

[kgmom219]

I have a few clients like this.

You can't get a SUBSIDY if you aren't on the same plan (and must file jointly)

You can do whatever you want if you don't care about the subsidy. Married couple on different plans. Kids on different plans. Whatever.

I actually have several clients with the kids on individual PPO plans, parents on the HMO. Parents will switch docs. But the kids are not losing their pediatrician.

 

[infoseeker]

So husband and wife have to file jointly in order to get subsidy. They file separately there is no subsidy

 

[kgmom219]

So husband and wife have to file jointly in order to get subsidy. They file separately there is no subsidy

Exactly...................

 

[taterpeeler]

tap tap tap tap tap tap tap tap tap tap tap tap..........................smfh

 

[YouGotMyMoney]

I actually have several clients with the kids on individual PPO plans, parents on the HMO. Parents will switch docs. But the kids are not losing their pediatrician.

love it, they double their max oop for some damn doctor -

 

[kgmom219]

love it, they double their max oop for some damn doctor -

You tell your SAHM she has to switch docs. Let me know how it goes.

 

[AllenChicago]

tap tap tap tap tap tap tap tap tap tap tap tap..........................smfh

Is SMFH shorthand for Stupid Mother Forking Heathen?

 

[G.Gordon]

Loving it!!

"You have to file jointly?"

Oh man... slapping my knees with that one.

On a serious side. I just found a case that an agent did in my office last year. Married, applied as such on one application, agent must have "fudged it", because she got a subsidy. Thing is, her husband came in two days ago, wants to get coverage as well. Now, agent is m.i.a. and I've got to level with them that the dumb ass didn't know her head from a bad tune (can't sing either) and screwed them over.