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HISTORICAL 
See updated rules…  

Ask about the “Employee #only” plan
Which Allows  Subsidies for Dependents in Covered CA
Avoid the Family Glitch 

• Employees who have dependents seeking subsidy assistance through the individual exchange cannot qualify.
• Spouse/parents enrolled in an employer group ACA qualified plan in most cases disqualifies the subsidy eligibility – Family Glitch –  9.61% Rule
• Most employers do not contribute to the dependent portion of the premium, but because the offer the coverage the dependents technically have “Access” to a ACA qualified plan.
• Dependent coverage is perceived as “unaffordable” to the employee; result = low to no dependent participation
• Why have an employer offer a benefit that is not utilized and unintentionally penalizes??

Solution

• Implement an “employee only” plan; dependents do NOT have “Access” thereby receiving subsidies. ^{9.17.2015  Covered CA Email} 
  • Covered California for small business filed their contract to support this feature.
  • If  the dependents of your employees qualify for Covered CA subsidies – FREE Quote and Subsidy Calculation and the employer is not contributing, then we need to get you into a SHOP program and write it up as employee only, by NOT selecting dependents on the SHOP employer application.  
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Broker ONLY

• https://myccsb.com/marketplace/#/access/signin
• CCSB Portal Manual  
• coveredca.com/for small business