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On October 11,
2022, the Internal Revenue Service released a final rule that changes the
way health insurance affordability is determined for members of an
employee’s family, beginning with Plan Year (PY) 2023 coverage. Beginning
in 2023, if a consumer has an offer of employer-sponsored coverage that
extends to the employee’s family members, the affordability of that offer
of coverage for the family members (of the employee) will be based on the
family premium amount, not the amount the employee must pay for self-only
coverage.
The final rule
is effective for PY2023. The change will be reflected in the online
application through the HealthCare.gov enrollment platform and Enhanced
Direct Enrollment certified partner applications during the PY2023 Open
Enrollment period beginning November 1, 2022. State-based Marketplaces not
using the HealthCare.gov enrollment platform are also working to implement
this change, but may have different implementation timelines.
To view the
final rule, visit: https://www.federalregister.gov/public-inspection/2022-22184/affordability-of-employer-coverage-for-family-members-of-employees
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