Which family members can I include on my health insurance plan?

You can include anyone that you include on your taxes such as a spouse if you’re legally married and anyone that you plan to claim as a tax dependent for the year. Members would include

• Husband or wife
• Son or daughter

Tax dependents can include: 

• Children under the age of 26
• Foster and adopted children 
• Children under shared custody 
• Children under 21 that you take care of
• Tax dependent adults
  • This would mean tax-dependent parents, tax-dependent siblings, or other tax-dependent relatives
  • You can only include these members of your family if you claim them as dependents on your taxes. 
• Spouses living apart: You can include a spouse you don’t live with unless you are divorced or legally separated 
• Unmarried domestic partners can be added if you have a child together or you’ll claim your partner as a tax dependent 

What do I do if I'm divorced and have a child? Which parent can include the child on their health insurance?

The custodial parent that claims the child as a tax dependent is generally the one who can include the child on their health insurance plan. 

• The situation may be different if you are the head of the household. This means you're still married but you and your spouse lived separately for more than 6 months and you pay more than half of the cost of keeping up the home for your child or dependent.

You can read more in this article about what to do in situations involving divorce.

If you are applying for coverage alone, you still need to add your full taxable household for income purposes. You can read more about that here.