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Employers:
Learn More About the Family Glitch Fix
What is the Family Glitch Fix?
What is the Family Glitch Fix?
When the Affordable Care Act (ACA) was introduced, it did not allow dependents of employees who were offered an employer based health plan to enjoy the savings offered by the ACA.
Now, for the first time, millions of those “employee health plan dependents" may qualify for a “Subsidy” (an Advanced Premium Tax Credit/APTC) which could dramatically reduce the cost of their health coverage.
Because of recent guidance by the current Administration, there is now a Fix to the Family Glitch and it allows us to help employers, employees and up to 5.1 million or more dependents this year save thousands of dollars on their dependent health coverage.
Every year we help thousands and thousands of clients pay as low as $0 for their healthcare and we would like to see if we can help you save money on your dependent coverage as well.
Watch this short video to learn more!
To see the options available in your area, click here to select your state and see your options.
What type of coverage is it?
These are comprehensive health insurance plans with no pre-existing limitations and no dollar limits for how much they will pay for medically necessary health treatments.
These plans are underwritten by many of the largest, nationally known insurance carriers, and are guaranteed to issue as long as the applicant is a legal resident. These are “individual" health plans, not “group” health plans.
What type of coverage is it?
Who Can Apply?
Who can apply?
The Family Glitch Fix health exchange helps provide healthcare coverage for dependents (spouses and children) of employees. Also, Part Timers and other ineligible employees may use this platform to get very affordable health insurance. More than 50% of our clients pay less than $10 per month for their healthcare!
If the employee’s cost for the employer health plan, including dependent coverage, exceeds 9.12% of the household monthly income, the dependents may be eligible for financial assistance (subsidies) through the ACA Marketplace.
The employee who has health coverage on an employer plan will remain on that health plan. Employees who are covered or offered coverage on an employer health plan cannot get a subsidy for an individual plan. Employees who are offered a group health plan but choose not to participate may not get an ACA plan with a subsidy, but their dependents may qualify for the subsidy.
That said, many employees pay a lot for their dependents to be covered on the employer group health plan, and other employees cannot afford to have their family on the employer plan at all!
What if we can’t afford a group health plan?
Many smaller businesses (less than 50 Full Time Employees) can’t afford a group health plan at all. It’s expensive!
We can help. Please reach out to our team. We specialize in helping small employers get the coverage they need so that they can “Find and Retain” great employees!
If you’d like to see if your employees qualify for a subsidy and learn more about possibly enrolling, click here to select your state and see your options. You can get a quote in just a few minutes and enroll very quickly and simply.