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Home » FAQ » Who is included in my “household” when I complete a Maryland Health Connection application?

Who is included in my “household” when I complete a Maryland Health Connection application?

Generally, your household includes the people you put on your tax form: you, your spouse, and any children or relatives you financially support.

For adults who need coverage:
Include these people even if they aren't applying for health coverage themselves:

  • Any spouse
  • Any son or daughter under age 21 they live with, including stepchildren
  • Any other person on the same federal income tax return (including any children over age 21 who are claimed on a parent's tax return). You don't need to file taxes to get health coverage.

For children under age 21 who need coverage:
Include these people even if they aren't applying for health coverage themselves:

  • Any parent (or stepparent) they live with
  • Any sibling they live with
  • Any son or daughter they live with, including step children
  • Any other person on the same federal income tax return. You don't need to file taxes to get health coverage.

To learn about who qualifies as a dependent, refer to IRS Publication 501.

Relationship Include in household? Notes
Dependent children, including adopted and foster children Yes Include any child you’ll claim as a tax dependent, regardless of age.
Children, shared custody Sometimes Include children whose custody you share only during years you claim them as tax dependents.
Non-dependent child under 26 Sometimes Include them only if you want to cover them on your Maryland Health Connection plan.
Unborn children No Don’t include a baby until it’s born. You have up to 60 days after the birth to enroll your baby.
Dependent parents Yes Include parents only if you’ll claim them as tax dependents.
Dependent siblings and other relatives Yes Include them only if you’ll claim them as tax dependents.
Spouse Yes Include your legally married spouse. In most cases, married couples must file taxes jointly to qualify for savings.
Separated spouse Yes Include a separated spouse, even if you don't live together, unless you're legally divorced.
Divorced spouse No Don't include a former spouse, even if you live together.
Spouse, living apart Yes Include your spouse, even if you're separated, unless you’re legally divorced. (See next row for an important exception.)
Spouse, if you’re a victim of domestic abuse, domestic violence, or spousal abandonment Not required In these cases, you don’t have to include your spouse.
Unmarried domestic partner Sometimes Include an unmarried domestic partner only if you have a child together or you’ll claim your partner as a tax dependent.
Roommate No Don’t include people you just live with — unless they’re a spouse, tax dependent, or covered by another exception in this chart.