BatFFP has a good question and the short answer is that she’s screwed:
Long story sorta short: I get super-cheap insurance through my job. It’s well under the 9.5% of my income that would make me eligible to get subsidized insurance on the exchange…
work also gives me the option to buy it for the Spousal Unit — at $800 a month. My Insurance + SU’s = 25% of my monthly paycheck, which would leave us homeless. Whoops!
I have heard the following contradictory things: 1) because MY insurance costs are less than 9.5%, the whole Fam Unit is ineligible for subsidies; 2) I HAVE to buy insurance for SU through my work or pay the no-insurance penalty and leave SU without coverage; 3) because Me + SU = more than 9.5%, there are all sorts of fun subsidies available for SU to enjoy.
No subsidies would be a real bummer, especially as there is a Mini Spousal Unit on the way….
The short answer is #1 — the long answer is below the fold:
In deciding whether an employer’s health plan is affordable, the Internal Revenue Service said it would look at the cost of coverage only for an individual employee, not for a family. Family coverage might be prohibitively expensive, but federal subsidies would not be available to help buy insurance for children in the family.
This is an administrative fuck up that is reversible as it is a matter of rule making and not the underlying law.
For people who are in this situation where they get decent single coverage at a reasonable price through work but can’t cover their families cheaply, they’re getting screwed in an effort to keep the 10 year CBO score down.
BatFFP situation is not horrendous. Her husband can get a solid Silver plan that is unsubsidized for under $300 a month, and her soon to be mini-me can probably be covered through CHIP for either no premium or a nominal premium. But this patchwork quilt of reasonable coverage is not a situation that everyone who has affordable employed individual coverage but unreasonable family coverage can assemble.
This is an area that any Democrat who is running in 2016 should campaign on to fix.