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How the ‘family glitch’ in the Affordable Care Act is making healthcare unaffordable


The U.S. healthcare system has already driven over 20 million Americans into debt, and for families, the financial burden of care costs is even harder to escape. While presented as a solution to high healthcare costs , the Affordable Care Act has been anything but.

According to the Kaiser Family Foundation, 5.1 million people are impacted by the Affordable Care Act’s “family glitch,” which does not allow workers with families to qualify for affordable health insurance plans within the ACA Marketplace, even if their employer doesn’t provide an affordable alternative. Kaiser estimates that children take the brunt of this stipulation, with nearly 2.8 million Americans under the age of 18 affected by this glitch.

“The whole goal of the Affordable Care Act was to make sure everyone had affordable access to healthcare by first ensuring that the employer would be offering their employees affordable coverage,” says John Staub, a brand development manager at Remodel Health, a health benefits management platform for employers. “If you did not have affordable coverage from an employer, you could go to the ACA Marketplace, find affordable coverage, and be subsidized with an advanced premium tax credit.”

However, the family glitch is a loophole to the foundational goals […]

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