Where old laws typically denied an employee’s family access to federally-subsidized health plans, new regulations allow qualifying families to get coverage on the marketplace at an affordable rate.
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What are the new regulations?
Before recent changes, a family’s eligibility for subsidized health plans was determined by the affordability of an employer’s individual health plan—regardless of the cost of a family plan.
Regulations were changed for the 2023 Open Enrollment Period to allow more access to federally-subsidized healthcare for families with high-premium employer plans. The new regulations allow an employee’s family to be enrolled in a subsidized marketplace plan when the employer-sponsored family plan costs more than 9.12% of the gross household income.
With many employer-family plans costing as much as 20% of the household’s income, your clients may qualify for more affordable options that meet their needs.
Average monthly premium for employer-sponsored plan
$1,153
Average monthly premium for federal marketplace plan
$63
Calculator
Is your client eligible for a subsidized plan?
It only takes a few clicks in the Compass calculator to see if your client qualifies to enroll in a marketplace plan. Access the calculator to save your client hundreds.
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Be the hero for your client's insurance needs.
Compass provides access to industry-leading technology, marketing, training, and support that will help you meet your client’s unique situation.
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