Large/Small Group Health Insurance Obamacare Compliance Tax Credits
All Employees & Families Deserve Affordable Health Insurance affordable coverage affordable family coverage individual insurance
OUR PRODUCTS AND SERVICES
MEC/MVP Plans for Large Group (ALE) Under Obamacare
Affordable Care Act-compliant plans that start at $45 P/Month 10 Life Minimum Enrollment. For Quoting: We need a census with AGE/Gender and ZIP Code. Also the name of the group along with the state it is located
Subsidized Health Insurance for Employees and Families
Obamacare Plans As Low as $0 Are You 1 of 29 Million Americans Who Qualify For $0 Health Insurance? Apply To Find Out. Get Health Insurance As Low as $0 affordable family coverage
Fixing the Family Glitch (Finding Affordable Family Coverage)
The "family glitch" is a term that refers to an issue in the Affordable Care Act (ACA). The problem arises when the ACA's definition of "affordable coverage" is based on the cost of individual insurance, rather than family coverage.
The "family glitch" was caused by the IRS's interpretation of the firewall provision in 2013. This interpretation states that if an employer offers affordable employee-only coverage, then both the employee and their family members are not eligible for premium tax credits. This is true even if the employer offers affordable family coverage.
On December 12, 2022, the federal government finalized a rule that fixes the "family glitch". From 2024, for a job-based health plan, employee-only coverage needs to cost 8.39% or less of the employee's household income to be considered affordable.
We are proud to represent great insurance carriers like
Hammett Consulting
Our firm was established in 1998 as an independent consultant to brokers and agents. We focused on finding coverage for low-wage service and hourly workers who had limited affordable health insurance options at that time.
In 2012, government-mandated coverage requirements were introduced, and we expanded our reach to assist large employer
Our firm was established in 1998 as an independent consultant to brokers and agents. We focused on finding coverage for low-wage service and hourly workers who had limited affordable health insurance options at that time.
In 2012, government-mandated coverage requirements were introduced, and we expanded our reach to assist large employers in implementing best-in-class MEC plans to meet their legal obligations. These plans also helped them retain and recruit valuable hourly workers.
Recently Adopted Family Services
In 2023, we increased our involvement with small employers and individuals in selected states by informing them of the strengthening of federally subsidized elements of the Affordable Care Act. This fixed the previous limits on family coverage by expanding employee subsidies. Previously, millions of dependents were excluded from affordable coverage due to the so-called "Family Glitch." However, these families are now subsidized thanks to adopting new affordability rules under ACA. affordable family coverage individual insurance