"Family Glitch" Removed for Family Members With Employer Health Insurance

LAS VEGAS - Oct. 31, 2022 - PRLog -- Affordable Health Insurance Within Reach for More Families
About half of the U.S. population gets their health insurance through their employer. This provides a wonderful benefit to the employee, because a minimum of ½ (50%) of the total cost of that health plan for that employee must be covered by the employer, if the employer offers group health insurance to their employees. In many cases, employers pay more than 50% of their employees' premium, and the rest is paid by the employee.

When you combine what the employer pays, and what the employee contributes out of their paychecks, this makes the overall dollars spent on a health plan higher. This generally will give the employee a much better health insurance policy than they normally would if the employee had purchased it on their own.

Across the country, employers cover an average of 83% of the employees' health insurance costs. Many employers, however, do NOT contribute anything towards the spouse and kids' portion of the health insurance premium. Employers are not required to help pay for spouse and children. But because of rules, employers are required to OFFER to spouse and kids, but they are not required to PAY for spouse and kids. This makes the amount of premium the employee would have to pay to cover their spouse and kids extremely expensive! Because the spouse and kids are full price.

What Is the Family Glitch?
So, here's the rub. Up until now, for the past few years since the Affordable Care Act was passed in 2010, if an employee was "offered" health insurance through their employer-based plan, in almost all cases, the spouse and children would be BLOCKED from qualifying for a government "subsidy" (government helps pay). It didn't matter if the employee enrolled into the employer's health insurance or not, they would still be blocked from a subsidy.

Read the full article: https://www.nevadainsuranceenrollment.com/family-glitch-r...

Learn more: https://www.nevadainsuranceenrollment.com/individual-fami...

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com