Home / FAQ / My spouse is insured. Since I’m applying for insurance only for myself, do I include his or her income?

My spouse is insured. Since I’m applying for insurance only for myself, do I include his or her income?

Yes, you must report your spouse’s income. Your eligibility for lower costs on health insurance is based on the income of everyone in your household, whether they need insurance or not.

Important: Remember that if you’re eligible for your spouse’s job-based insurance, you may not be eligible for lower costs on coverage through Maryland Health Connection based on your household income. This is true whether you’re enrolled in your spouse’s insurance plan or not. You’ll be eligible for lower costs only if your spouse’s insurance is considered unaffordable or does not meet the minimum value.

For purposes of premium tax credit eligibility, employer coverage is considered affordable if the employee’s share of the annual premium for self-only coverage is no greater than 9.69% of annual household income.