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Family Glitch

An unintended consequence of the Affordable Care Act when an employee is offered affordable ESI through their work place but the coverage offer is not extended to the employees’ family, or is unaffordable for the family. This leaves the employees’ spouse and/or children both ineligible for exchange subsidies and without access to other affordable coverage.

Early Retiree

An “early retiree” is anyone who retires prior to what is considered the normal retirement age. This is often used to describe retired individuals under…