The ACA is expected to provide around $10 billion in subsidies this year to make health insurance affordable for low- and middle-income people.<\/p>\n
However, a quirk in the law is denying subsidies to a number of low-income people, especially those with families.<\/p>\n
One health policy expert at the Urban Institute explained that the \u201cassessment of whether or not employer-based coverage is affordable is based on worker-only coverage, and doesn\u2019t take the cost of family coverage into account.\u201d<\/p>\n
As a result, some workers whose plans are deemed \u201caffordable\u201d and do not qualify for subsidies are nevertheless unable to afford coverage for their families.<\/p>\n