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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.

Point-of-service Plan (POS)

Insurance plans that allow enrollees to choose between in-network or out-of-network care providers, though the enrollee will generally pay less for in-network care.