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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.

Out-of-Pocket Maximum

A cap on the amount of money per year that individuals might pay for health care costs, excluding the premium cost. All costs above the…