Maximize Your Client's Savings: Learn Everything You Need to Know About the Family Glitch

Get ahead of the curve: Learn how the "Family Glitch" can benefit your clients

You'll also get a ? bonus ?calculator to help you correctly and quickly advise your clients. 
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What is the Family Glitch?
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
Average monthly premium for federal marketplace plan
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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Our Solutions
Why join Compass?
With industry-best technology, marketing, training, and support, you’ll be equipped to sell more than ever before.
Agents Contracted
Custom Software Apps
It’s vital that agents have the best and most efficient tools available to run their business. Our industry-leading techology systems were built in-house FOR agents BY agents to increase your efficiency.
The biggest bottleneck for new and veteran agents is getting in front of new clients. We’ll help you outline a personalized marketing plan to keep your pipeline full.
Our carriers consistently praise our trainings as the best in the industry. We train our agents on everything from legislation changes to product updates.
Whether you’re a veteran agent or you’re just getting started, we give you the support you need to take your business to the next level.
Our proven systems and processes will help you conduct your business compliantly and protect your book of business and your livelihood.
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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