Since there are four people on your policy, you can Allocate your % of the Premium any way you choose, as long as the totals are not over 100%.
For example, you could allocate 25% to each person on the policy, or your parents could allocate 100% to themselves and 0% to you and your sister.
You and your parents (and your sister if she files her own return) may want to test different allocations on your returns to see which ones are most beneficial.
Click the link for more info on Sharing Marketplace Health Plans
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