You may be able to avoid the "family glitch" which used to prevent an
employee's spouse and dependents from qualifying for premium subsidies
even if the employer provided little or no contribution to premiums for
family members. Now, if the total family premiums
(including the employee, spouse, and/or dependents) are more than 9.12% of MAGI,
the employee's family members may qualify for premium subsidies via an ACA Marketplace plan
even if the employee's coverage is deemed affordable. If employee-only premiums
are more than 9.12% of modified adjusted gross income (MAGI), then the employer coverage
is deemed unaffordable, and the employee and any family members are eligible to pursue savings
via an individual ACA plan during open enrollment. Depending on income, some families will find
that some family members are eligible for Medicaid or CHIP, which is available regardless of
an offer of coverage from an employer.