Navigating the Family Glitch in ACA Health Insurance: A Guide to Getting Coverage


The Affordable Care Act (ACA) has made it possible for millions of Americans to get access to affordable health insurance. However, there is a common issue known as the “family glitch” that can make it difficult for some families to qualify for subsidies. This issue arises when one family member has access to affordable health insurance through their employer, but the plan does not cover the rest of the family.

What is the Family Glitch?

The family glitch affects families where one family member has access to employer-sponsored coverage, but the plan is not affordable for the rest of the family. Under the ACA, a family is considered eligible for a subsidy if the employee’s share of the premium for family coverage is more than 9.5% of their income.

If the employee’s share of the premium for family coverage is less than 9.5% of their income, the family is considered ineligible for a subsidy. This is known as the “family glitch” because it means that families who are not truly able to afford employer-sponsored coverage are not eligible for subsidies.

How to Get Coverage with the Family Glitch

There are a few options for families who are affected by the family glitch. The best option depends on your specific circumstances.

Get a separate health insurance plan off the Marketplace: One is to get a separate health insurance plan off the Marketplace. This can be done through or directly through a health insurance company. If you qualify for a subsidy, you will be able to use it to help pay for your premiums.
Enroll in Medicaid or CHIP: Another option is to enroll in Medicaid or CHIP. These programs provide health insurance to low-income individuals and families.


The family glitch is a complex issue, and there is no one-size-fits-all solution. If you are affected by the family glitch, it is important to research your options and find the best way to get coverage for your family. Our licensed agents at [Agency Name] can assist you with the enrollment process. Remember that you’re not alone, and there is help available to you.

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