Yes. When you complete your application, you must agree that you intend to file a federal tax return in order to have advanced premium tax credits (APTC) or cost-sharing reductions (CSR) applied to your private health plan. You must file a federal income tax return, even if you're usually not required to file. Your APTC is estimated based on your projected household income and family composition for the year and certain other information. When you file your tax return, the Internal Revenue Service determines the final amount of tax credit you qualify for based on the actual income you received during the year. Filing a tax return for any year in which you received APTC also ensures that you have the opportunity to get APTC or CSR in future years.
No, if you intend to file taxes separately from your spouse you may still be eligible for APTC or cost-sharing reductions if you are filing separately due to domestic abuse or spousal abandonment, or as head of household.
If you meet either of these exceptions you can indicate on your application your tax filer status, include any tax dependents, and select “Never Married” as your marital status.
If you're living apart from your spouse and are a victim of domestic abuse, domestic violence, or spousal abandonment and want to enroll in your own health plan separate from your abuser or abandoner, you can submit an application for health coverage through MNsure. You will need to certify on your Form 8962 when you file your taxes that you are a victim of domestic abuse or spousal abandonment.
If you received a premium tax credit to help pay for coverage in a past year and have not filed a federal tax return for that year, you will no longer be eligible for advanced premium tax credit or cost-sharing reductions. You should file a tax return as soon as possible, including a completed IRS Form 8962.
If you have questions about your household's tax filing status, use Interactive Tax Assistant or call IRS Telephone Assistance for Individuals at 1-800-829-1040. Search "tax transcript" for more information about whether your tax return has been processed by the IRS.
If you have filed a tax return using form 8962, call the MNsure Contact Center to report that information.
If you have questions about your household's tax filing status for any year, use Interactive Tax Assistant or call IRS Telephone Assistance for Individuals at 1-800-829-1040. Search for "tax transcript" on the IRS website for more information about whether the IRS has processed your tax return.
For more information on filing a federal tax return using IRS Form 8962, visit HealthCare.gov or IRS.gov.
MNsure cannot provide tax advice or provide any information about your tax filing status. You must contact the IRS directly.