Getting Health Insurance While Separated From Spouse?

Your best first step is to contact the marketplace, there are a few factors to deal with here (like the nature in which you lost coverage), but this is exactly the sort of stuff healthcare.gov is there to help walk you through.

Yes essentially, the Medicare status of people in your household doesn’t affect your ACA or Medicaid eligibility. Meanwhile, if you are filing taxes separately his income wouldn’t affect your subsidy eligibility. All that said, to get free insurance you need to qualify for Medicaid. So it can make sense to contact your state Medicaid office and/or healthcare.gov for direction.

The general rules for the different situations that can occur are found in the 8962 instructions for alternative calculations for marriage. Not trying to avoid your question, just feel like it is best answered by reading the corresponding part of the documentation (see the following link).

https://www.irs.gov/instructions/i8962/ch02.html

Once you have the document ope, use “command find” and search for “head of household.” The situation is a little too complex for me to try to summarize, especially given the detailed explainer from the IRS.

Start with the section that says:

Married individuals who file separate returns are generally not eligible to take the PTC. However you may be able to take the PTC if you meet either of the following conditions.

– You file a return as single or head of household (see Exception 1—Certain married persons living apart under Married taxpayers, earlier).

– You file a return as married filing separately due to domestic abuse or spousal abandonment (see Exception 2—Victim of domestic abuse or spousal abandonment under Married taxpayers, earlier).

If Exception 1 or Exception 2 applies, follow rules in the next paragraph. If neither exception applies, see Married filing separately (not in Exception 2—Victim of domestic abuse or spousal abandonment), later.

If you file taxes together then you can share a plan with cost assistance in most living situations. Plan adds have to be done during open or special enrollment.

You should look at page 3 “married tax payers” on the instructions for 8962. You can’t share a plan if you are separated legally unless you meet certain qualifications that allow you to. It’s all explained in the instructions.

https://www.irs.gov/pub/irs-dft/i8962–dft.pdf

Subsidies are based mostly on filing status (and obviously that relates to the status of a marriage). If you file with a person it shouldn’t matter if you physically live with them, if you don’t file together than you each can claim tax credits based on your own household income. The best bet is to seek professional advice or to check out the instructions for 8962 in regards to alternative calculations for marriage.