The Affordable Care Act encourages workers with access to employer-provided health coverage to retain it by restricting their eligibility for marketplace subsidies. In a blog post, RAND’s Amado Cordova, Sarah Nowak, and Evan Saltzman explain that a family is ineligible for marketplace subsidies if at least one member has access to affordable employer-provided insurance. They estimate the impact of a modification proposed by Sen. Al Franken of Minnesota that would allow dependents—but not workers—to receive subsidies when the family employer premium contribution exceeds the income threshold.
Modifying the ACA's Family Subsidy Rules to Help Ensure Affordability
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