I’m enrolled in Medicare. Can I enroll my 14-year-old daughter in the exchange?

Q. I am divorced, retired and on Medicare. I also have a 14-year-old daughter and would like to buy her insurance in our state marketplace. Can I do that? Would she get a subsidy?

A. Yes, you can get coverage for her through the exchange.

If you claim her as a dependent on your tax return, and your household income is less than 400 percent of the poverty level, she may qualify for a subsidy, depending on how high your income is in comparison with how much the pre-subsidy premium will be for her coverage. For 2017 coverage, 400 percent of the poverty level for a household of two is $64,080.

But in reality, you’ll probably have to have a household income well below that in order to qualify for a subsidy for your daughter, since her unsubsidized premium will likely be low enough to be considered affordable for your household at a level well below 400 percent of the poverty level.

Depending on your household income, she might qualify for Medicaid or Chip instead. In every state except Idaho, children are eligible for Medicaid or CHIP with incomes up to 200 percent of the poverty level, and in many states, eligibility extends well above that level. For a household of two in 2016, 200 percent of the poverty level is $32,040 in annual income.

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Related terms

health insurance exchange

health insurance marketplace