Hi Lswong481,
To answer your first question, in order to get any premium subsidies for your health insurance, you must file married filing jointly. If you continue to file married filing separately, you are not eligible for any premium subsidy. You would owe the premium for the policy without any government subsidy.
Regarding your inherited property and the consequences of married filing jointly, that is more of a legal question that I am not qualified to address.
Since you are married and live with your spouse, you are not eligible for HOH filing status. HOH status is for unmarried individuals who provide a home for a qualifying child or relative. Your choices are Married Filing Jointly or Married Filing Separately.
I hope this additional information is helpful!
Kimberly, CPA for over 30 years
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