If you’re a family dealing with sky-high health insurance premiums through an employer plan, we’ve got great news—you may qualify for more affordable coverage.
A recent rule change has fixed what’s been called the “family glitch” in the Affordable Care Act (ACA), and it could make a big difference in how much you pay to cover your spouse and kids.
What Was the “Family Glitch”?
Before the fix, if someone in your household had access to an “affordable” employer health plan (based only on the cost for that person), the rest of the family couldn’t qualify for financial help on the ACA Marketplace—even if the family portion of the plan was far too expensive.
This meant:
- Families often paid too much to add a spouse or dependents to job-based insurance
- Or they went uninsured because Marketplace plans were off-limits
What’s Changed?
Now, affordability is calculated separately for the employee and their family.
If your employer’s family plan costs more than 8.39% of your household income (2024 guidelines), your spouse and dependents can qualify for Marketplace subsidies.
That means:
- Lower monthly premiums
- More plan options
- Better coverage possibilities for your family
How I Can Help
If you’re enrolled in employer coverage and your spouse or kids either aren’t on the plan—or are, but it’s costing too much—it’s time to revisit your options.
Here’s how I can help:
✅ Review your current employer plan and compare it to Marketplace options
✅ Run the affordability test to see if your family qualifies for subsidies
✅ Help you enroll in the best plan for your needs—at no extra cost to you
Sometimes, it makes sense for the employee to stay on the employer plan while the rest of the family enrolls separately through the Marketplace. I’ll help you figure out what’s best.
Get Personalized Help
This new opportunity can lead to major savings—but every family’s situation differs. Let’s talk about your coverage, your costs, and how this fix might work for you.
📞 Call Eric at (615) 478-7146
🌐 Visit bookme.name/EricJans to schedule an appointment
Don’t miss out on coverage your family may now qualify for. I’m here to make health insurance simple, affordable, and stress-free.
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