 [ Symptoms ] our 23 year old will be filing independently in 2014 we will 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 is income in 2014 as household income and a family of three [ Disease ] hi as you have not said what the health issues are do not forget age is against you as well one thing to get pregnant in the very late 40s you really need good health and be strong and fit but have you also thought that you could also becoming into the menopause a hormone check would tell you that from doing a blood test hope this helps good luck