No, your Premium Tax Credit or cost subsidy from Healthcare.gov (Marketplace coverage) is impacted only by your household income adjusted for a few items as noted below. This calculation begins with your adjusted gross income which does not include gifts.
Adjust your adjusted gross income for the following add-back items:
- Tax-exempt foreign income
- Tax-exempt Social Security Benefits
- Tax-exempt interest
There is no adjustment for gifts received. In the rare event that you receive a notice questioning your income (due to your bank account deposits), you can simply report that these were gifts and are not considered income.
