{"id":6052,"date":"2021-04-29T15:02:54","date_gmt":"2021-04-29T19:02:54","guid":{"rendered":"http:\/\/chirblog.org\/?p=6052"},"modified":"2021-04-29T15:02:54","modified_gmt":"2021-04-29T19:02:54","slug":"aca-family-glitch-increases-costs","status":"publish","type":"post","link":"https:\/\/chirblog.org\/aca-family-glitch-increases-costs\/","title":{"rendered":"ACA \u201cFamily Glitch\u201d Increases Health Care Costs for Millions of Low- and Middle-Income Families"},"content":{"rendered":"

By Christina Goe* and Dania Palanker<\/em><\/p>\n

The Biden administration and Congress can make health insurance more affordable for millions of families by eliminating the so-called family glitch, which prohibits family members from enrolling in marketplace plans with lower premiums and cost sharing because one member of the family has an offer of \u201caffordable\u201d employer coverage. The family glitch deprives millions of people<\/a> of access to affordable coverage.<\/p>\n

Here\u2019s how it works: under the Affordable Care Act (ACA), individuals receive subsidies to reduce premium costs for health plans purchased through the marketplace. In addition, the lowest-income enrollees are eligible for cost-sharing reductions that lower deductibles and copayments. But these benefits\u00a0are not available<\/a>\u00a0to individuals who are eligible for affordable employer coverage.\u00a0For families, affordability \u2014 for everyone, including eligible spouses and children \u2014 is determined based on the employee\u2019s coverage. Even if the employer\u2019s contribution is for the employee only, those costs are used in calculating affordability for the entire family.<\/p>\n

In a new post for the Commonwealth Fund\u2019s To the Point blog, Christina Goe and CHIR’s Dania Palanker delve into the costs of the family glitch to low- and middle-income families.\u00a0You can read the full post here<\/a>.<\/p>\n

\n
*Christina Goe is a health care\u00a0policy consultant and former general counsel of the Montana Department of Insurance.<\/div>\n<\/div>\n
<\/div>\n","protected":false},"excerpt":{"rendered":"

The family glitch bars millions of people from accessing reduced premiums and cost-sharing through the marketplaces because a family member has an offer of employer coverage. In their latest post for the Commonwealth Fund To the Point blog, Christina Goe and CHIR’s Dania Palanker delve into the costs of the family glitch to low- and middle-income families. <\/p>\n","protected":false},"author":5,"featured_media":260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[478,1],"tags":[377,16,13,40,761,328,7,29,156,258],"_links":{"self":[{"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/posts\/6052"}],"collection":[{"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/comments?post=6052"}],"version-history":[{"count":6,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/posts\/6052\/revisions"}],"predecessor-version":[{"id":6060,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/posts\/6052\/revisions\/6060"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/media\/260"}],"wp:attachment":[{"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/media?parent=6052"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/categories?post=6052"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chirblog.org\/wp-json\/wp\/v2\/tags?post=6052"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}