Affordability for Family Coverage

Affordability for family members is based on the cost an employee has to pay for family insurance. Before, if just one family member had an affordable offer of coverage, all family members were ineligible for financial help through Covered California. This was known as the “family glitch.”

Now the glitch is fixed, so each family member’s eligibility is based on the cost to cover him or her.

In fact, family members may qualify for tax credits even when the employee does not. If the employee has an offer of employee-only coverage that is considered affordable and provides minimum value, the employee will not qualify for financial help, but their family members may still qualify for financial help.

The rules for how to calculate affordability of health insurance through your job have changed. The Affordability Tool can help you estimate if you or your family members qualify for financial help.

For help with questions about health insurance through your job or enrolling, contact an agent or certified enroller, visit our Support page, or use Help on Demand.