One of the conditions of ACAeligibility is that the consumer doesn't have access to“affordable” coverage through work — that is, the employee's shareof the insurance would cost no more than 9.86 percent of householdincome.

Last Christmas Eve, Justine Bradford-Trent slipped on ice, slamming to the ground. Herelbow swelled. Was it broken? She couldn't tell.

Because Bradford-Trent was uninsured, she weighed her options. She couldgo to the emergency room, the immediate but more costly option. Theurgent care center cost less, but it was closedfor the holiday. The Idaho resident decided to wait and, once theswelling subsided, she concluded it was just a bad bruise.

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