This is a common occurrence and is based on the Medicaid rules and laws in your state.
- When your combined household income with a certain number of household members reaches a certain amount, you qualify for a subsidized plan and your children qualify for Medicaid.
This can result in family members being on different plans. Usually, the parents will be on a subsidized marketplace plan, and the children will be on a low or no-cost Medicaid plan.
We understand that for families, it can be difficult to manage separate enrollments and applications, but this is usually the most cost-effective option.
When the marketplace determines that someone is likely Medicaid eligible, they are unable to be added to a subsidized plan. This is to make sure that individuals aren’t double-covered by different government programs.
You learn about submitting Medicaid applications here: medicaid.gov
You can learn more about Medicaid and families here: healthinsurance.org/medicaid
Can I purchase a plan for the whole family anyway?
If you still wish to purchase a private insurance plan for you and your family and forgo Medicaid, on your application update your health profile by answering "no" to government assistance. You will be ineligible for premium assistance and you'll be given the option to shop for full-price plans for you and your children.
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