Text here: they seem to have forgotten to number this one.
It does not actually contain any specific order regarding fixing the "family glitch", only a reference to proposed rule changes, where apparently the IRS would decide to ignore the letter of the Affordable Care Act law*, and do something different instead, and then everyone else would fall into line, and then we all can have a Kum-Ba-Ya Konga Line off into the sunset....
What Biden does order is that a broad and unspecified set of federal entities look for similar instances where they can SUCK AS MANY MORE PEOPLE AS POSSIBLE INTO THE HEALTH INSURANCE LEVIATHAN. Including streamlining application and documentation processes.
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*As the IRS has interpreted it so far; there are articles and quotations saying that this interpretation is incorrect and that is why this can be fixed at the IRS level without amending the law. However, I went back and looked at the text of the Affordable Care Act, in Section 1401(a) where it is amending the Internal Revenue Code, and I believe the IRS is correct. Affordability is defined relative to the employee's cost, not to the family's.
The fact that the family glitch has never been resolved by litigation--I don't think anyone has even tried to do that--also supports the presence of the glitch within the Affordable Care Act itself. The left is perfectly willing to send a liberal litigant against a liberal defendant in front of a liberal judge in order to get the judgment that they all want, when necessary.
They have not done that in this case; the family "glitch" was intentional, and their belated fix is only for the sake of furthering their agenda. Which includes the quiet part that one policy advisor said out loud, where healthy families are needed to pay premiums to cover the health care costs of smaller and sicker households.
2021 enrollment in the health insurance exchanges was only 12 million, by the way, and the proposed rule changes might add a million or so more.
Paul Ryan and his ephemeral majority were such a disappointment in their failure to repeal the Affordable Care Act, but happily there is still God.
Also, apparently Minnesota did some sort of resolution of the family glitch within MinnesotaCare in 2021. This is the first I've heard of it. But supposedly it will benefit fewer than 2,000 people. There is this story of a family paying 25% of their income for health insurance being invited to the signing of Biden's executive order, that doesn't mention the Minnesota fix:
"The options we were given to get out of the glitch were to one, get divorced, two lower our income and qualify for Medicaid, or three convince my husband's employer to be in violation of the ACA and not offer any amount of health care subsidies to my husband."
Oh, look, if different family members are on different plans, then you have different deductibles and out-of-pocket limits (and can't pool them). That could get nasty if multiple family members have a bad health year.
ReplyDeletehttps://www.commonwealthfund.org/blog/2021/eliminating-family-glitch