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1. Relationship-based rules – The household is determined based upon the family members who live with the applicant. The rules vary slightly for children versus adults. a. Adults. The relationship-based rules for adults require that the household consist of the following persons: (1) The adult applying for coverage; (2) The applicant’s spouse, if living with the applicant; (3) The applicant’s biological, adopted, and step-children under age nineteen (19) years, if living with the applicant. b. Children under age nineteen (19). The relationship-based rules for minor children require that the household consist of the following persons: (1) The child applying for coverage; and the child’s parents (including step-parents), if living with the child; (2) Any of the child’s siblings (including step-siblings), if living with the child. 2. Triggers – The exceptions that trigger the use of relationship-based rules are as follows: a. Applicant does not plan to file taxes and does not expect to be claimed as a tax dependent by another tax filer. Full information on who is required to file taxes under federal law is located in IRS Publication 501 (IRS Publication 501 is available at: http://www.irs.gov/publications/p501/ar02.html#en_US_2012_publi nk1000220851). b. Tax dependents meet specified criteria. In situations in which an applicant will be claimed as a tax dependent on another person’s federal tax form, the relationship-based rules apply if the applicant meets any of the following criteria: (1) Applicant is claimed or expects to be claimed by a tax filer who is not the applicant’s parent or step-parent. (2) Applicant lives with both parents, but only one (1) parent will claim the child as a tax dependent. In this case, child refers to the parent-child relationship and not the age of the applicant.