Find a plan.
Call our agency partners 866-553-3223


13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics


Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
Call our agency partners 866-553-3223
We’re in a same-sex civil union. Should we calculate our subsidy as a household of two, or apply separately?

We’re in a same-sex civil union. Should we calculate our subsidy as a household of two, or apply separately?

Q. My partner and I are in a same-sex civil union. For subsidy calculation, does the health insurance exchange count our income together as a household of two, or do we each apply separately based on individual income?

Obamacare subsidy calculator *




Add ages of other family members to be insured.


Include yourself, your spouse, and children claimed as dependents on your taxes.


Modified Adjusted Gross Income (MAGI)

For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).

Estimated annual subsidy


Provide information above to get an estimate.

Find plans

A: Since you’re not legally married, your premium tax credits will be calculated separately, based on each partner’s individual income. For tax purposes, the federal government does not recognize civil unions or domestic partnerships as marriage.

But for legally married same-sex couples, subsidy calculations are made the same way they are for legally married opposite-sex couples.

Following the Supreme Court ruling in 2013 that the Defense of Marriage Act (DOMA) was unconstitutional, CMS released a bulletin explaining that to the IRS, marriage is marriage: whether the partners are same-sex or opposite-sex, legally married couples are treated the same for tax purposes – including ACA premium tax credits.

In June 2015, the Supreme Court ruled that same-sex marriage is legal nationwide. Following the Supreme Court’s 2015 ruling, some states converted their existing civil unions to marriages. But a handful of states still permit new civil unions, although it’s unclear if they will continue to do so long term.

For premium tax credit calculations, the Court’s 2015 ruling doesn’t change anything — the previous guidance issued by CMS is still effective: same-sex marriage is the same as opposite-sex marriage for all tax purposes, including premium tax credits.  What the Court’s 2015 ruling did was ensure that marriage is available nationwide for same-sex couples.

As long as married same-sex couples file a joint tax return and do not have affordable minimum essential coverage available from an employer, they are eligible for premium tax credits if their joint income is in the subsidy-eligible range. Normally, there is an income cap for subsidy eligibility, equal for 400% of the federal poverty level. But for 2021 and 2022, the American Rescue Plan has eliminated the income cap. Instead, subsidies are available to households with income above that level as long as the benchmark plan would cost more than 8.5% of the household’s income.

Married opposite-sex couples who file separately are not eligible for premium tax credits, and the same is true for same-sex couples who are legally married but file separate tax returns. Partners in a civil union file their taxes separately and are not considered married as far as the IRS is concerned. So their premium tax credits are determined separately, with each person’s tax credit based on their own income and insurance premiums.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for

Related articles

If you’re not lesbian, gay, bisexual or transgender, it might be tough to appreciate just how important the Affordable Care Act is to the LGBT community. Thanks to the ACA, ...
One more reason to celebrate: Getting married is now a qualifying life event for same-sex couples.
"In states without non-discrimination policies, the Affordable Care Act is your non-discrimination protection. It means LGBT people can't be treated badly in health insurance and healthcare, which is central to ...
Unfortunately, the average American doesn't seem to have a good sense of what repeal could cost them. Many aren't even certain that they've gained anything from the law. So to ...
If your family grows during the year, you're eligible for a special enrollment period. There are several situations that can trigger the SEP in this case, but there are also ...