What are the options for my family if my employer offers me coverage?

The “Family Glitch” was a hole in the Affordable Care Act (ACA) that affects low to moderate income families to not qualify for premium assistance on the health exchange. This is due to the rules that determine the “affordability” of employer offered health insurance.

The “family glitch” based eligibility for a family’s premium subsidies on whether available employer-sponsored insurance is affordable for the employee only, even if it’s not actually affordable for the whole family.

The family glitch fix is in effect as of 2023. So when families apply for coverage during the open enrollment period (November 1 – January 15), the new rules will be used to determine whether anyone in the household qualifies for a premium subsidy. If an employee must pay more than a predetermined affordability threshold of household income towards the premium for the lowest cost family plan offered by their employer, the plan is considered unaffordable, and the employee’s family members may therefore qualify for financial assistance for health coverage through Nevada Health Link. The affordability threshold for plan year 2024 is 8.39% and will be updated every year