US Healthcare question- kind of a shot in the dark on trying to get some answers….
Just got a new job after being unemployed for the last 10 months or so, where we were getting healthcare through the marketplace.
Employer has a plan offered where they pay 50% of premium for employee but 0% for any family members added to the policy.
With the 50% covered for me, it meets the requirements for affordability and coverage for me, coming in at roughly 5% of household income.
However, when including cost of wife and child, it moves to taking up a bit north of 15% of gross household income.
Does anyone know if it is possible for me to take my employer offered insurance, but for my wife and kid to get the Advance Premium Tax Credit rates through the marketplace, due to the policy not meeting the affordability requirements for them?
Or are we pretty much screwed and stuck with paying a bit under roughly 1/6th of our income with no options for credits or rebates?
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