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Would my 21-year-old’s subsidy be based on his income – or mine?

  • By
  • contributor
  • October 3, 2013

Q. My 21-year-old son is in college. I know he could stay on my employer’s plan until he is 26. But he might be able to get better coverage in the exchange. Would he be eligible for a government subsidy? Would it be based on his income or mine?

A. If you declare him as a dependent on your income tax, then your income would determine whether he gets a subsidy.

If you don’t list him as a dependent, and he earns between $11,490 and $45,960, he would be eligible for a subsidy. He might also look into Medicaid. If your state expands Medicaid, and he earns less than $15,856, he would qualify. But some doctors don’t take Medicaid. He might be better off on your insurance.