You probably haven’t heard about the “family glitch”. The “family glitch” is an old rule in the Affordable Care Act (ACA) makes health insurance too expensive. It was impacting about 5 million of Americans and made a lot of people mad.
Here’s how it worked: The ACA said that big employers have to offer health insurance that’s affordable for their full-time workers and their families.
But when it calculates affordability, they only look at the cost for the worker, not the entire family. (This was 8.39% of the employee’s income for 2024.)
It was frustrating because it made getting health insurance hard.
Health Insurance Rule Change
This “family glitch” was impacting millions of American and was fixed by an IRS rules change. It is why a person now needs to know the lowest cost to cover the employee and the lowest cost to cover the entire family.
If an employer now offers a plan that is unaffordable, for the family then the family members can get their health insurance with the marketplace and be eligible for advanced premium tax credits to lower their monthly cost of insurance.
The employee has access to affordable health insurance from their employer and the family has affordable insurance on the marketplace. It’s a win/win.
Free help understanding Health Insurance
Not everyone knows about this important change in health insurance and this is why Suzie and Matt like to go over applications as minor adjustments can mean the difference between having coverage and not. They ran the Enrollment Center in Wenatchee assisting people for years understanding and enrolling into insurance plans without charging fees.
Wenatchee Insurance is an independent agency that does not charge fees and have extensive experience working with the Washington Healthplanfinder, Apple Health and Medicare to provide usable options for our clients.
Topics: WenatcheeInsurance, Enrollment, Suzie, Premera, Molina, Kaiser, Chelan, Ambetter, AppleHealth, Suzie, Washington, Healthplanfinder,
