ACA health insurance
Married filing separately and ACA savings: the rule that blocks most people
Married couples who file separate returns generally cannot receive premium tax credits. There are exceptions for some people who are victims of domestic abuse or spousal abandonment.
What this means
If you are married and expect to file separately, a Marketplace application will show you without savings. For many couples, filing jointly makes savings available, but filing status affects many other things, so check with a tax professional before changing it.
Exceptions
- Some people who are victims of domestic abuse can qualify for savings while filing separately.
- Some people who are abandoned by a spouse can as well.
- The Marketplace explains how to attest to this.
Have this ready when you call
- Your filing status plans
- Your household income estimate
- Your spouse's information if applying together
Common questions
Can I get savings if my spouse and I live apart?
Savings depend on your tax filing status, not where you live. Ask a tax professional about your situation.
Can I just buy a plan without savings?
Yes. You can buy a Marketplace plan at full price whether or not you qualify for savings.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.