A health insurance broker asked me this question. If anyone can help then I would appreciate it: "If I have a family of five, one parent four children, two of the children live at home, have their own full-time jobs but living at home, same address as the mother who does not claim them on her tax return, but on the health insurance application asks the question all persons living with you, to count their income. The two dependents file their own tax returns. The mother does not claim them on her tax return. I think these dependents can enroll in their own policy age 25 and 26 and get the aptc in addition to the mother filing her own taxes. Do you know how this is treated?" Thanks.