Unemployed on Obamacare: What if I am unemployed but my spouse works?

HealthTN Affordable Care Act/Obamacare, Kids and Family

I’m uninsured and unemployed but my spouse works. Can I still enroll in Obamacare (Affordable Care Act) to get health insurance?

Your household income is used to determine whether you qualify for Medicaid, CHIP, or lower costs on Marketplace coverage. So you’ll need to count your spouse’s income when you fill out your application.

Information about any job-based coverage that is available to you and your family also affects whether you qualify for lower costs on Marketplace coverage.

If you’re eligible for coverage under a family member’s plan but don’t enroll in it, you may not be able to get lower costs on Marketplace coverage based on your income. This will depend on whether the job-based insurance is considered affordable and meets certain minimum standards.

You can learn whether the plan is considered affordable and meets minimum standards by filling out an Employer Coverage Tool. You can use information from this completed form to fill out your application.

Having access to job-based coverage doesn’t impact your eligibility for Medicaid.

If your family member’s job-based coverage isn’t offered to spouses or dependents, you can qualify for lower costs. Only the person with the job- based coverage won’t qualify for lower costs on Marketplace insurance.


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