 [ Symptoms ] when estimating income for health insurance plans do you use gross income or adjusted gross income [ Disease ] it is your modified adjusted gross income for most people that is the same as their adjusted gross income that you will need to use when applying for insurance here is where you can find that information on your tax form if you use form 1040 ez   line 4 form 1040 a   line 22 form 1040   line 37