Obamacare pros and cons

[MrsKirkley]

6. I don't like the subsidy eligibility requirements.

Eligibility for subsidies should be based on income alone, not access to employer provided health insurance. Some employers offer such horrible health insurance that low paid workers and their families can't afford medical care. These workers are paying for health insurance they can't afford to use. For example, the only family plan offered to Walmart employees with an affordable premium has a $5,500 deductible and $10,000 annual out of pocket maximum. If that family was able to get subsidized coverage on the exchange, they would likely be eligible for a policy with a 94% actuarial value. That means insurance and subsidies pay for 94% of everything and they only pay 6%. But because they have access to employer based insurance, the entire family is ineligible for subsidies, regardless of how low their income is.