Fixing the Family Glitch in California: Projections from the California Simulation of Insurance Markets (Updated)
Many Californians struggle to afford job-based coverage, especially family coverage. Under the original Affordable Care Act (ACA) regulations, workers whose coverage for themselves only cost more than 9.61% of household income (in 2022) could receive subsidies to enroll in Marketplace coverage, along with their family members. However, if coverage for the worker only was affordable no one in the family was eligible for subsidies, even if the cost of family coverage was unaffordable.