Why is nothing being done about the family glitch? [View all]

[MrsKirkley]

So much is being done for people who lost their worthless insurance policies, but absolutely nothing is being done about the family glitch. Anyone who has access to health insurance through an employer is ineligible for subsidies, regardless of income. This includes spouses and children of workers as well. But the 9.5% affordability test doesn't count the premiums of spouses and children. It only counts the premium of the worker. It also does not count co-pays and deductibles. As a result, many low income workers are paying for family health coverage they can't afford to use and are ineligible for the subsidies and cost-sharing they desperately need. Families making 139% FPL can't afford the $5,000 deductibles and $10,000 annual out of pocket maximums for family coverage that many employers offer. What are people in those low income families that have expensive chronic conditions like diabetes or cancer supposed to do? Both of these conditions are fairly common and most if not all of these people end up owing a huge chunk if not all of their deductible every year. Another thing that's fairly common in the US is low paying service jobs. How many people working at low income service jobs have families? The government is doing everything to help the people whose worthless insurance policies got cancelled, but nothing for low income families caught in the family glitch. If I'm wrong and something is being done, someone please tell me what. I really want to be wrong.