My kids have CHIP/Medicaid but I have no insurance. For affordability exemption, do I use the Bronze family premium for all of us, or individual premium just for me?

[gavilataxes]

All of the tutorials and worksheets make differentiation for whether certain members of the household are ELIGIBLE for Medicaid and/or employer insurance, but none take into account whether household members actually HAVE insurance. So when I'm looking up the premiums for the lowest cost bronze plan and second lowest cost silver plan to compare to the 8.05% of my AGI, I'm not sure whether to include my kids in the quotes and look up the prices for family plans even though we don't need one, or only to look up the prices of individual plans for myself. The instructions seem to differ in this regard in a few places.

[TaxGuyBill · Accepted solution]

For the Bronze plan, you use the one that covers everybody (assuming nobody is eligible for employer insurance).

For the Second Lowest Cost Silver Plan, don't include your children.

https://www.irs.gov/pub/irs-pdf/i8965.pdf#page=12

[gavilataxes]

Thank you!