Have similar issue. I thought if daughter earned more than $3900, IRS rules, she could not be claimed as dependent. If less, and she meets other
rules, can be claimed as dependent.
Also, have ACA, in CA, it's called Covered CA. Very confusing. Our daughter
qualified, but started working more hours, so we tried to buy separate
insurance but:
1. New insurer's would not sell us a policy, because open enrollment is in
I think Nov-Dec. (might be Oct).
2. Unless, daughter's ACA insurance was cancelled first, daughter could
not apply for new insurance, then she would be uninsured for a while.
3. Also, told don't worry, ACA, will not cancel policy, When you file
your tax returns in 2015 for 2014 year, if you do not qualify because
income to high, you will pay the difference.......ha....
4. My concern, by the time the IRS figures it out, it could be 2-3 years
later (2015-2017). And I will have forgotten all of the details.
5. In our case, may decide to skip ACA next year. To complicated
especially if you need to make changes.