The Affordable Care Act will require employers to offer health insurance that covers their workers’ children too, the Obama administration announced on Monday.
While the decision sounds like a win for working-class Americans, there’s a catch: The New York Times noted that the coverage is not required to be “affordable” because of how the law is written.
Though many companies offer family health insurance today, a narrow selection of them do not, meaning the rule will require significant changes for some in the private sector. Nevertheless, it only applies to full-time employees at companies with more than 50 workers, meaning most small businesses are exempt.
It also means that, without a sizable government subsidy, employer-based family health insurance will continue to be out of reach for many.
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