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The ACA lets people get healthcare insurance who are not otherwise eligible for it, for example: part-time workers, independent contractors, employees of compan
by prirun 2y ago
The ACA lets people get healthcare insurance who are not otherwise eligible for it, for example: part-time workers, independent contractors, employees of companies with fewer than 50 employees, temporarily unemployeed (fired, laid off, switching careers or jobs), people who have lost coverage because their spouse lost coverage. That's a pretty broad swath of people!
Some people qualify for a tax subsidy that can be anywhere from $0 to the entire cost of a plan, depending on their income. A unique feature is that the subsidy is based on your expected income for the upcoming year, but if you make less than that (are laid off for example) or more (independent contract gets an unexpected contract), the subsidy is adjusted when you file your taxes.
Currently the ACA does not accept anyone who has a policy through work. IMO, every should have the option of getting ACA healthcare coverage. If their work coverage is better or cheaper, they can stick with that, but if their work coverage is worse or more expensive, employees should be allowed to get ACA coverage, with the employer paying part or all of the subsidy (what they would have paid to a private insurance company for the employee) instead of just the government.