I am 63 and my pension & ss put me over the 400% limit. DW is 61 and has a smaller pension than I. I thought if she delayed her ss then her smaller income alone would qualify her for a subsidy. Then I saw the following on healthcare.gov:
"If you’re married, you must file a joint tax return for 2014 in order to get lower costs on Marketplace coverage based on your income in 2014. You file your 2014 taxes in April of 2015."
So if we wanted separate policies (different needs), we would each need to use household income when applying, which would eliminate any subsidy for either of us? From what I have seen on rates there is no advantage to a family policy for just two of us. Curious what others are doing - family or separate?
"If you’re married, you must file a joint tax return for 2014 in order to get lower costs on Marketplace coverage based on your income in 2014. You file your 2014 taxes in April of 2015."
So if we wanted separate policies (different needs), we would each need to use household income when applying, which would eliminate any subsidy for either of us? From what I have seen on rates there is no advantage to a family policy for just two of us. Curious what others are doing - family or separate?