General Discussion
In reply to the discussion: Discussion I'm having on FB. Can someone with knowlege about the ACA help me out? [View all]Ms. Toad
(34,066 posts)So I'm not sure it was helpful to pass it on without fact checking.
Filing status- joint v. single - in isolation, for example doesn't dictate whether you can purchase an individual or joint health insurance policy - what you are eligible for will depend on whether you are legally related, not how you file your returns. Although if you are married, there are often penalties for filing separate returns; since the penalties are often intended to prevent people from playing games with taxes and eligibility for various tax breaks I would be very surprised if you could make yourself eligible for better health insurance subsidies by filing separately.
And there is nothing odd at all about an employer choosing not to subsidize health insurance for the entire family; so picking up the entire bill for the employee but requiring the family to pay full price for the non-employee portion of the insurance premium shouldn't raise the kind of flags it seems to have raised for you.