NY Health Exchange questions

[MattBaggins]

If I employer offers a plan I have to use it rather than the exchange?

Do I have to put my kids on it as well or can they stay on the child health plus?




Why does it all have to be so god damned f'ed up

[pugetres]

1. You can pick which ever one you want.

But, if your employer offers you affordable health insurance then you are NOT eligible for any subsidy from the government since most employers pick up the bulk of the monthly premiums anyways.

[MattBaggins]

2. is that the same for the kids

do I have to put them under my employer or can i use CHP

[pugetres]

3. I found this...

Dependents Can Still Qualify For CHIP and Spouses Can Still Qualify For Medicaid

In a household with a low enough income a child and parents may still qualify for CHIP. CHIP eligibility levels are different for each state and depend age and income. In states that expanded Medicaid adults making less than 138% of the Federal Poverty Level may qualify for Medicaid. This is all true even if a spouse has employer coverage that is offered to the family. - http://obamacarefacts.com/2014/12/02/family-affordability-glitch/

I'm not sure about NY rules or where to look.