Do I need to include income of people in my household who don’t need insurance?

Yes!

For the Health Insurance Marketplace, a household usually includes the tax filer, their spouse if they have one, and their tax dependents.

Tax filer + spouse + tax dependents = household

Follow these basic rules when including members of your household:

• Include your spouse if you’re legally married.
• If you plan to claim someone as a tax dependent for the year you want coverage, do include them on your application.
• If you won’t claim them as a tax dependent, don’t include them.
• Include your spouse and tax dependents even if they don’t need health coverage.