Healthcare

Your best estimate of your household income

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Quick Overview

Your Marketplace application may ask you to estimate what your household’s income will be in the year you’ll be covered.

If you’re not sure, it’s okay to make your best estimate. If your income changes, or is different than what you estimated, you’ll need to update this information later. For more information, visit HealthCare.gov/reporting-changes/why-report-changes.

To help you make a ballpark estimate of your household income, visit HealthCare.gov/income-and-household-information/how-to-report.

Employer & income information for everyone in your household

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Quick Overview

Your Marketplace application may ask you about the income, expenses, and deductions of everyone in your household, even those not applying for coverage.

The Marketplace accounts for income sources, including:

  • Wages and salaries, as reported on your W-2 form and pay stubs
  • Tips
  • Net income from any self-employment or business
  • Unemployment compensation
  • Social Security payments, including disability payments (but not Supplemental Security Income (SSI))
  • Alimony
  • Retirement or pension income, including most IRA or 401k withdrawals
  • Investment income, like dividends or interest
  • Rental income
  • Other taxable income

For more information on income or what income sources to include, visit HealthCare.gov/income-and-household-information/income.

Social Security Numbers (SSNs) for everyone on your application

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Quick Overview

Your Marketplace application will ask you to enter each person’s 9-digit SSN, even those not applying for coverage. The Marketplace will verify the SSNs with Social Security, based on the consent you’ll give at the start of your application. If you don’t enter an SSN, you may need to provide more information at a later time.

This information will only be used for eligibility for health coverage.

Home and/or mailing addresses (for everyone applying for coverage)

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Quick Overview

Where you live can affect what health coverage you’re eligible for.

You’ll enter your home address to show if you’re a resident of the state where you’re seeking coverage. You’ll select your state at the beginning of the application.

You’ll be asked for your mailing address. Often, this will be the same as your home address. If it’s not, provide a mailing address in the state you live in, if you can.

If anyone on your application has a different home and/or mailing address, you’ll need to have it also.

Information about your household

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Quick Overview

Your Marketplace application will ask you about each person in your household, even those not applying for coverage.

For the Marketplace, your household usually includes the tax filers and their tax dependents, but there are exceptions. Sometimes the Marketplace includes people you live with who aren’t in your tax household.

You should include yourself on your application. Here’s a basic list of the other people you should generally include, if these people are in your household:

  • Your spouse
  • Your children who live with you, even if they make enough money to file a tax return themselves
  • Anyone you include on your tax return as a dependent, even if they don’t live with you
  • Anyone else under 21 who you take care of and who lives with you
  • Your unmarried partner, only if one or both of these apply:
    • They’re your dependent for tax purposes
    • They’re the parent of your child

If you need more information, visit HealthCare.gov/income-and-household-information/household-size, or call the Marketplace Call Center.

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