Family health insurance now costs $20k per year

The first thing that needs to be determined is that he, himself is a household. That he is not a dependent of his parents. When my kid was in the program, they had info that helped members get SNAP , transportation cards and other benefits as a household member of one even if they lived with family or others. So the household income would be just his. There might be an issue here if the young man just graduated this year from college and is under age 24. In that case, his parents might be claiming him as a dependent on their taxes.

Open enrollment begins Nov1 for ACA next year.