if you will no longer be claiming your 23-year-old on your taxes she would use her 2014 estimated income to apply for a subsidy. you are correct that the remainder of the family would be a family of three and would use the household income to see if you qualify for a subsidy.
our 23-year-old will be filing independently in 2014 (we'll claim her in 2013 for the last time). . will she then apply for health insurance as an individual after jan. 1st and get a subsidy based on her income alone? then would the remainder of the family have insurance based on husband wife and teenage son using my husband's income in 2014 as household income and a family of three?