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For health insurance purposes, “annual” does not necessarily refer to the calendar year (January 1 through December 31).
The key point is whether the dependent’s income will satisfy the certification criteria in the future, starting from the current point in time.
The dependent must satisfy the certification criteria on the assumption that his or her income at the current point in time will continue over the coming one-year period. For those with salary income from part-time work, this refers to their most recent monthly income (usually based on a three-month average); for those with pension income, it refers to the most recent pension amount.