{"id":3106,"date":"2019-10-17T22:06:59","date_gmt":"2019-10-17T22:06:59","guid":{"rendered":"http:\/\/www.www.idahoinsuranceagency.com\/?p=3106"},"modified":"2023-07-20T18:14:38","modified_gmt":"2023-07-20T18:14:38","slug":"making-sense-out-of-health-subsidies-and-group-health-insurance","status":"publish","type":"post","link":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/","title":{"rendered":"Making Sense Out of Health Subsidies and Group Health Insurance"},"content":{"rendered":"<p>What if you have group health coverage through your employer, or if you decline to accept group health coverage that&#8217;s offered (say due to contribution levels that you cannot afford)?<\/p>\n<p>This is a big deal, and the outcry to recent federal health cares rules reflects this fact. \u00a0Let&#8217;s take a look at what you can expect.<\/p>\n<ul>\n<li>If your company offers &#8220;affordable&#8221; health insurance that meets the new (ACA) basic plan requirements, you are not eligible for a health subsidy nor are your dependents. \u00a0 This is a huge deal since the group health insurance rates are expected to go up from an already high level.<\/li>\n<li>Then what exactly does &#8220;affordable&#8221; mean? \u00a0The ACA defines &#8220;affordable&#8221; as the cost of the coverage (premium), which should not exceed 9.5% of the employee&#8217;s income. \u00a0A nationwide outcry has occurred because the rule originally stipulated that this 9.5% threshold would only look at the employee&#8217;s income\/cost of coverage&#8230;not the cost to cover dependents. \u00a0That&#8217;s a big difference.<\/li>\n<\/ul>\n<p>An example reflecting the new rule&#8217;s impact:<\/p>\n<p>An employee with three dependents (one spouse and 2 kids) makes $40K per year. \u00a0The employee cost may be $400 per month but the dependent cost could easily run another $800. \u00a0In determining if the coverage is affordable, the government will look at just the employee&#8217;s $400 premium versus annual income of $50K (which meets the affordability requirement even though the family&#8217;s real monthly premium is $1,200). \u00a0It&#8217;s not uncommon for companies to pay for employee coverage and not dependents (or paying a smaller percentage\/amount towards dependents), which is allowed. \u00a0This is a gap in the current law which probably won&#8217;t be addressed due to the political climate. \u00a0Also, since the dependents were offered coverage through the employer, as the law is interpreted, they will not qualify for subsidies on the individual market.<\/p>\n<p>We&#8217;re still waiting for additional clarification and detail regarding this issue.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What if you have group health coverage through your employer, or if you decline to accept group health coverage that&#8217;s offered (say due to contribution levels that you cannot afford)? This is a big deal, and the outcry to recent federal health cares rules reflects this fact. \u00a0Let&#8217;s take a look at what you can [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency\" \/>\n<meta property=\"og:description\" content=\"What if you have group health coverage through your employer, or if you decline to accept group health coverage that&#8217;s offered (say due to contribution levels that you cannot afford)? This is a big deal, and the outcry to recent federal health cares rules reflects this fact. \u00a0Let&#8217;s take a look at what you can [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Idaho Insurance Agency\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-17T22:06:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-20T18:14:38+00:00\" \/>\n<meta name=\"author\" content=\"Idaho Insurance Agency\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Idaho Insurance Agency\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\"},\"author\":{\"name\":\"Idaho Insurance Agency\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/b71cc304f51d5aa03bb7401bb694b0e3\"},\"headline\":\"Making Sense Out of Health Subsidies and Group Health Insurance\",\"datePublished\":\"2019-10-17T22:06:59+00:00\",\"dateModified\":\"2023-07-20T18:14:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\"},\"wordCount\":330,\"publisher\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#organization\"},\"articleSection\":[\"Alerts\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\",\"url\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\",\"name\":\"Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency\",\"isPartOf\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#website\"},\"datePublished\":\"2019-10-17T22:06:59+00:00\",\"dateModified\":\"2023-07-20T18:14:38+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.idahoinsuranceagency.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Making Sense Out of Health Subsidies and Group Health Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#website\",\"url\":\"https:\/\/www.idahoinsuranceagency.com\/\",\"name\":\"Idaho Insurance Agency\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.idahoinsuranceagency.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#organization\",\"name\":\"Idaho Insurance Agency\",\"url\":\"https:\/\/www.idahoinsuranceagency.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.idahoinsuranceagency.com\/wp-content\/uploads\/2023\/07\/IDAHO-INSURANCE-AGENCY-HOMEPAGE_2.png\",\"contentUrl\":\"https:\/\/www.idahoinsuranceagency.com\/wp-content\/uploads\/2023\/07\/IDAHO-INSURANCE-AGENCY-HOMEPAGE_2.png\",\"width\":277,\"height\":89,\"caption\":\"Idaho Insurance Agency\"},\"image\":{\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/b71cc304f51d5aa03bb7401bb694b0e3\",\"name\":\"Idaho Insurance Agency\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/041679ef4ef4db53a2f277e23e543f3a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/041679ef4ef4db53a2f277e23e543f3a?s=96&d=mm&r=g\",\"caption\":\"Idaho Insurance Agency\"},\"url\":\"https:\/\/www.idahoinsuranceagency.com\/author\/idaho-staff\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency","og_description":"What if you have group health coverage through your employer, or if you decline to accept group health coverage that&#8217;s offered (say due to contribution levels that you cannot afford)? This is a big deal, and the outcry to recent federal health cares rules reflects this fact. \u00a0Let&#8217;s take a look at what you can [&hellip;]","og_url":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/","og_site_name":"Idaho Insurance Agency","article_published_time":"2019-10-17T22:06:59+00:00","article_modified_time":"2023-07-20T18:14:38+00:00","author":"Idaho Insurance Agency","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Idaho Insurance Agency","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#article","isPartOf":{"@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/"},"author":{"name":"Idaho Insurance Agency","@id":"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/b71cc304f51d5aa03bb7401bb694b0e3"},"headline":"Making Sense Out of Health Subsidies and Group Health Insurance","datePublished":"2019-10-17T22:06:59+00:00","dateModified":"2023-07-20T18:14:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/"},"wordCount":330,"publisher":{"@id":"https:\/\/www.idahoinsuranceagency.com\/#organization"},"articleSection":["Alerts"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/","url":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/","name":"Making Sense Out of Health Subsidies and Group Health Insurance - Idaho Insurance Agency","isPartOf":{"@id":"https:\/\/www.idahoinsuranceagency.com\/#website"},"datePublished":"2019-10-17T22:06:59+00:00","dateModified":"2023-07-20T18:14:38+00:00","breadcrumb":{"@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.idahoinsuranceagency.com\/making-sense-out-of-health-subsidies-and-group-health-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.idahoinsuranceagency.com\/"},{"@type":"ListItem","position":2,"name":"Making Sense Out of Health Subsidies and Group Health Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.idahoinsuranceagency.com\/#website","url":"https:\/\/www.idahoinsuranceagency.com\/","name":"Idaho Insurance Agency","description":"","publisher":{"@id":"https:\/\/www.idahoinsuranceagency.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.idahoinsuranceagency.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.idahoinsuranceagency.com\/#organization","name":"Idaho Insurance Agency","url":"https:\/\/www.idahoinsuranceagency.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.idahoinsuranceagency.com\/wp-content\/uploads\/2023\/07\/IDAHO-INSURANCE-AGENCY-HOMEPAGE_2.png","contentUrl":"https:\/\/www.idahoinsuranceagency.com\/wp-content\/uploads\/2023\/07\/IDAHO-INSURANCE-AGENCY-HOMEPAGE_2.png","width":277,"height":89,"caption":"Idaho Insurance Agency"},"image":{"@id":"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/b71cc304f51d5aa03bb7401bb694b0e3","name":"Idaho Insurance Agency","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.idahoinsuranceagency.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/041679ef4ef4db53a2f277e23e543f3a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/041679ef4ef4db53a2f277e23e543f3a?s=96&d=mm&r=g","caption":"Idaho Insurance Agency"},"url":"https:\/\/www.idahoinsuranceagency.com\/author\/idaho-staff\/"}]}},"_links":{"self":[{"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/posts\/3106"}],"collection":[{"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/comments?post=3106"}],"version-history":[{"count":1,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/posts\/3106\/revisions"}],"predecessor-version":[{"id":3579,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/posts\/3106\/revisions\/3579"}],"wp:attachment":[{"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/media?parent=3106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/categories?post=3106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.idahoinsuranceagency.com\/wp-json\/wp\/v2\/tags?post=3106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}