5.1 Million People Might Be Eligible!
The "FAMILY GLITCH" has been FIXED!
Enter the zip code, age, and gender for family including yourself.
Enter your income and see how much subsidy you qualify for.
Enter all of your doctors and medications if necessary.
View your plan options and choose the best one for you.
Contact us for any shopping/enrollment assistance.
What Is The Family Glitch?
The “family glitch” refers to the rules that were used from 2014 to 2022 to determine whether a person was eligible for a premium tax credit (subsidy) in the exchange/marketplace if they were also eligible for employer-sponsored coverage.
Under ACA implementation rules that were issued by the IRS in 2013 and in effect through the 2022 plan year, a marketplace subsidy was not available if the person had an offer of employer-sponsored coverage that was considered affordable and that provided minimum value– regardless of whether the employee added family members to the plan or how much that would cost.
As a result of this “glitch,” an estimated 5.1 million Americans did not have access to affordable health coverage. It was too expensive for them to add family members to the employer-sponsored plan, and it was also too expensive for them to pay full price for coverage in the marketplace.
Affordable Care Act: Get Coverage in 2023
Fortunately, the IRS will fix the family glitch as of the 2023 plan year, with the new rules in effect as of the open enrollment period that begins November 1, 2022. The rule change will allow family members to potentially access premium subsidies in the marketplace if the cost of family coverage under the employer-sponsored plan doesn’t meet the affordability guidelines.
If a family has to pay more than a certain percentage of household income (9.12% in 2023) for the employer-sponsored plan, they will potentially be eligible for premium tax credits in the marketplace.
There will be a separate affordability determination for the employee (based on self-only coverage), and for family members (based on the total cost of family coverage). So depending on how an employer subsidizes the cost of family coverage, it’s possible that coverage could be considered affordable for the employee but not for family members. In that case, the family members would potentially be eligible for a premium tax credit in the marketplace, but the employee would not.
Find out how much the Affordable Care Act expects you to contribute to the cost of your insurance by consulting the table below.
| If you earn | Your expected contribution is |
|---|---|
| Up to 150% of FPL | 0% of your income (ie, the benchmark plan will have no premium) |
| 150%-200% of FPL | 0%-2% of your income |
| 200%-250% of FPL | 2%-4% of your income |
| 250%-300% of FPL | 4%-6% of your income |
| 300%-350% of FPL | 6%-8.5% of your income |
| 400% of FPL or higher | 8.5% of your income |
Health Insurance for All
Enter the zip code, age, and gender for family including yourself.
Enter your income and see how much subsidy you qualify for.
Enter all of your doctors and medications if necessary.
View your plan options and choose the best one for you.
Contact us for any shopping/enrollment assistance.