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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.

Pre-Existing Condition Exclusions

This is a provision in a health insurance plan offered to an individual with a past or current health condition whereby treatment related to the…