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Health care and family The ACA prohibits people with an offer of affordable employer coverage from purchasing coverage through the ACA marketplace. But what about coverage for family members?

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.

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