<p>Sorry if this is already buried in that other thread, but I’m not willing to read umpteen pages just now.</p>
<p>I have run guesstimates for 2014 federal and state taxes using income figures for 2013, projected deductions for 2013, and tax tables from 2012 with the modification that medical expenses used for a deduction in 2014 will be limited to those in excess of 10% of AGI. </p>
<p>I have used the Kaiser Foundation subsidy calculator [Subsidy</a> Calculator | The Henry J. Kaiser Family Foundation](<a href=“http://kff.org/interactive/subsidy-calculator/]Subsidy”>Health Insurance Marketplace Calculator | KFF) to get figures for the possible cost of Silver Plan coverage, and the maximum subsidy for family size and income.</p>
<p>I have run the modified guesstimates for 2014 using the ACA and taking out deduction for medical due to current insurance premiums.</p>
<p>Is there anything I’m missing here? If we are going to put all three of us on the same insurance policy, do I have to run the guesstimates for Happykid’s taxes too? And then how does that all fit in?</p>
<p>Does anyone know how to figure this stuff if only one family member goes onto the ACA compatible plans? Can that one take any credit at all?</p>
<p>If only one family member goes onto an exchange plan, what insurance would the other family members have? I’m just asking because if either you or your husband have employer-based insurance, and it is “affordable” for the employee (not their spouse, not the child, just “affordable” for the employee), then the employee is not eligible for a subsidy. And if that insurance plan offers coverage for spouses and/or children at any price affordable or not, then the spouse and/or the child is not eligible for a subsidy either.</p>
<p>At present, Happydad is on COBRA, and Happykid and I have an independent two-member family policy with a more affordable carrier that wouldn’t insure Happydad due to a diagnosis of Sleep Apnea. Any of us could keep our current policy while someone else opts for an ACA state plan. Right now, none of us is eligible for an employer plan.</p>
<p>A couple of the things that aren’t clear to me at the Maryland exchange include coverage for durable medical equipment (Happydad is about to try using the CPAP again), and coverage when in a location without ready access to in-network providers. Next week I have to shore up my patience, and spend a couple hours on the phone with the various carriers. But before I do that, I want to have as clear a notion of the situation as possible.</p>
<p>OK, so nobody has “affordable” insurance from an employer. That means that if your household qualifies for subsidies, you can buy insurance for some or all of you on the exchange and get a subsidy. So you can buy subsidized insurance for yourself and Happykid, and leave Happydad on his old plan, if that’s what works out best.</p>
<p>About the question of whether the MAGI includes your son’s income, if he is included in your plan: I’ve just spent half an hour trying to figure out whether “household income” includes the income of the non-dependent young adult who is being included in the insurance plan. And I haven’t found the information. I bet calmom knows. </p>
<p>(Because none of the many pages I’ve looked at instruct taxpayers to add the income of the non-dependent young adult into MAGI, I suspect that the young adult’s income doesn’t count. That is just a guess. Do not believe it.)</p>
<p>That MAGI business has me baffled too. Some of the things that I have read make me think that all three incomes have to be accounted for. I plan to dig out the kid’s tax files too before I start making phone calls.</p>
<p>Thanks for suggesting calmom. I may look her up.</p>