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Scenario:
I plan to retire before I am eligible for Medicare
My wife is eligible for and plans to sign up for Medicare when I retire My wife has income from social security
We file our taxes as married/jointly
I'm trying to estimate my healthcare expenses in retirement when I lose my employer plan.

Question:
When doing the calculation for the Health insurance subsidy, do I have to count my wife's social security check in my income even though she won't be insuring through ACA?

1 Answer 1

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When doing the calculation for the Health insurance subsidy, do I have to count my wife's social security check in my income even though she won't be insuring through ACA?

Yes, what matters is the household income, including those who don't need the coverage (source from healthcare.gov):

Whose income to include in your estimate

For most people, a household consists of the tax filer, their spouse if they have one, and their tax dependents, including those who don’t need coverage.

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