ACA “family glitch” prevents millions of workers from finding affordable coverage for dependents
Fixing this long-running issue could be complicated by the new subsidies implemented under the American Rescue Plan Act.
By Alan Goforth|April 12, 2021 at 10:10 AM
Thank you for sharing!
Your article was successfully shared with the contacts you provided.
More than five million American workers face a Catch-22 situation when trying to provide health insurance for their families. The so-called “family glitch” occurs when their employer offers affordable coverage for them but not for their dependents, making them ineligible for financial assistance for marketplace coverage.
The Affordable Care Act prohibits people with an offer of affordable employer coverage from purchasing subsidized coverage through the ACA marketplace. Under current rules, the affordability of employer coverage is based on what it would cost to cover only workers and not their families.
Complete your profile to continue reading and get FREE access to BenefitsPRO.com, part of your ALM digital membership.
Your access to unlimited BenefitsPRO.com content isn’t changing. Once you are an ALM digital member, you’ll receive:
Critical BenefitsPRO.com information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
Exclusive discounts on ALM, BenefitsPRO magazine and BenefitsPRO.com events.
Access to other award-winning ALM websites including ThinkAdvisor.com and Law.com
Competing successfully in today’s labor market means moving away from reactive recruitment practices that are overly reliant on compensation. Instead, take a more strategic approach with innovative add-on health benefits that complement core benefits and can be tailored to the needs and wants of a diverse workforce. Download this guide to learn how.