The Family Glitch: What It Is and How It Affects Your Health Insurance Options
In the post above, a woman asks if she can get a tax credit on a marketplace plan for herself even though her husband’s job offers health insurance. The answer is yes, she can, but she won’t qualify for a subsidy because her husband has the offer of coverage under his plan. This is known as the “family glitch.”
The family glitch is a loophole in the Affordable Care Act (ACA) that prevents some families from getting subsidies to help them afford health insurance. The glitch occurs when one member of a family has access to employer-sponsored health insurance, but the cost of adding the other family members to the plan is too high. As a result, the family may not be able to afford health insurance, even though they would qualify for subsidies if they were not offered employer-sponsored coverage.
The family glitch has been a problem for years, and it has prevented many families from getting the health insurance they need. Congress has been working to fix the glitch, but so far no legislation has been passed.
In the meantime, there are a few things you can do if you are affected by the family glitch:
Shop around for health insurance plans. Even if you don’t qualify for a subsidy, you may be able to find a plan that you can afford.
Consider a different type of health insurance plan. There are a variety of health insurance plans available, including HMOs, PPOs, and EPOs. Each type of plan has its own advantages and disadvantages, so it is important to compare plans before you choose one.
Get help from a licensed health insurance agent. A licensed health insurance agent can help you find a plan that meets your needs and budget.
If you are having trouble affording health insurance, don’t give up. There are resources available to help you get the coverage you need.
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