Some application question – buy Obamacare for my dad.

My dad is 70 years old. He has been living with me for two years after getting a green card.. He has no income, has never filed a tax return, and my tax returns do not claim him. I have been buying monthly travel insurance for him. When it expires on 8/30 (next week), I plan to stop buying travel insurance and plan to buy obamacare. I have a few questions to ask when filling out the application form.

1) “Will he file tax return for 2024”, and “Will someone else claim him as a dependent on their 2024 federal tax return?”

For the purse of applying for Obamacare, should I claim him in next year's tax return, or should he file tax for himself? if it doesn't matter, I will answer No

2) The form requires filling out the income of each person in the household. My understanding is that I need to fill out his and my income. I put $0 for him. Then I planned to choose "add additional income" for my income, but the form still said "his income" which confused me.

Should I fill out my income in the application?

3) "Disabilities & help with activities", he has a disability, I plan to fill in yes. The Instruction says that if you fill in yes, it will send a message to the state government to let them see if it is eligible for medicaid.

I am curious if this will complicate and delay the obamacare insurance? My goal is to purchase obamacare insurance soon so he is covered starting 9/1/2024.

4) "Upcoming coverage change, Will he lose qualifying health coverage between 8/20/2024 and 10/18/202. ”Special Enrollment Period eligibility" Open Enrollment Period of November 1 – January 15."

He is currently with travel insurance, and expired on 8/30/2024. I should answer yes?

5) I see someone in this sub mentioned they went through agent.

I am curious what’s the difference than purchasing it myself online v.s. through an agent?

Thanks a ton!

submitted by /u/fpaguide
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