Why do I have to enroll my children in Medicaid to receive a premium tax credit subsidy? Can everyone just be on the same plan?

This is common and depends on the Medicaid rules and laws in your state.

• When your household income and number of household members meet certain guidelines, you may qualify for a subsidized plan, while your children may qualify for Medicaid. 

As a result, family members may have different health plans. Typically, parents enroll in a subsidized Marketplace plan, while their children enroll in a low- or no-cost Medicaid plan.

We understand that managing separate enrollments and applications can be challenging for families, but this is usually the most affordable option.

If the Marketplace determines that someone is likely eligible for Medicaid, that person cannot be added to a subsidized plan. This helps prevent someone from being covered by multiple government programs at the same time. 

You can learn how to submit a Medicaid application here: https://www.medicaid.gov/about-us/where-can-people-get-help-medicaid-chip 

You can learn more about Medicaid and family coverage here: healthinsurance.org/medicaid

Can I purchase a plan for the whole family anyway?

If you still want to purchase a private insurance plan for yourself and your family instead of enrolling in Medicaid, update your health profile on your application by answering “no” to the question about government assistance. You won’t qualify for premium assistance, but you’ll be able to shop for full-price plans for yourself and your children.