EnrollMath
Marketplace · Updated

The family glitch, explained

Since 2023, the affordability test for family members uses the cost of family coverage, not employee-only coverage. If the family premium is above the affordability limit (10.22% of income for 2027), your spouse and kids may qualify for marketplace tax credits even if your own coverage is affordable.

The employee is still tested on the employee-only premium. That can lead to split coverage: the employee stays on the job plan and the family goes to the marketplace. The marketplace calculator flags this case.

Thresholds: 2027 affordability · 2026.

General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.

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