My husband and I are under Covered California for our health insurance since June 2024 due to job loss. We are married filed separately for the last 7 years. In order to get the discounted Covered California rates, we have to "file jointly" in their enrollment option. I have the following questions:
1. Are we require to start filing jointly moving forward in order to get the discounted Covered California rates? Do we owe the balance of the premiums if we continue to file separately?
2. I own a separate property that I've inherited and didn't want to commingle with my husband, therefore I was filing separately for years. Will file jointly consider commingling? If not, how do I file jointly without commingling my inherited property?
3. Is there a tax advantage if I pick as head of household?
