I am a housewife. My husband passed away last year and I and my 2 kids, aged 6 years old and 4 years, are earning survivor’s benefits from my husband’s social security. I tried applying for insurance from the marketplace, but got rejected. What is the qualified income for me to be able to get obamacare under my circumstances? I am still not working and I am surviving on my husband’s monthly survivor’s benefits.
When you apply for the Marketplace your eligibility is based on total household income, this doesn't include income from survivor's benefits for the parent, and only is included income for dependents if they file taxes. Therefore you may not make enough to use the Marketplace.
If your state did not expand Medicaid you may not have a lot of options. We suggest those with low incomes, who live in states that didn't expand Medicaid, to apply for Medicaid and use their rejection letter to apply for an exemption in the Marketplace.
Apply for an exemption will help you find out if you meet special enrollment criteria or if you qualify for a catastrophic health plan.
TIP: Taxable and non-taxable Social Security income is counted toward MAGI for ObamaCare and affects tax credits and Medicaid eligibility, but only if a person has to file taxes. Social Security Income includes disability payments (SSD and SSDI), pension, retirement benefits, and survivor benefits, but does not include supplemental security income (SSI). (Line 20a minus 20b on a Form 1040). In general, everything except for SSI counts toward MAGI for ObamaCare and Medicaid.... except for the rules about dependents and tax filing noted above.