Under the Affordable Care Act, those whose job-based coverage is deemed unaffordable by the government will be eligible for subsidized private insurance. However, “affordability” is based only on the cost of individual insurance, meaning that many workers will be unable to cover their families, while remaining ineligible for subsidies.
Meanwhile, 1.5 million New Yorkers could face gaps in health coverage because of fluctuating incomes and eligibility requirements for subsidies and other programs.
