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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.

Guaranteed Availability of Insurance Requirement

Requires insurance companies to issue individuals health insurance regardless of current or previous health issues. Ensures coverage will not be denied for any reason. Also…