Why would one buy Obamacare when after you get

[MrsKirkley]

52. Low income families will still be bankrupted because of the family glitch.

The Affordable Care Act includes 2 subsidies: premium subsidies and cost sharing subsidies for those with incomes of 100% to 200% FPL. To be eligible for these subsidies, you must not be offered insurance through your own or a family member's employer. If the employer offers insurance, the family is not eligible for subsidies no matter how low their income is. While employers usually subsidize insurance for their employees, they often don't for the families of their employees. They just offer family policies with premiums and/or deductibles so high that low income families can't afford to seek medical care. Low income families end up paying for health insurance they can't afford to use and aren't eligible for any help. The 9.5% affordability test only counts the employee's portion of the premium. I suppose they could try working 2 part-time jobs instead of one full-time to avoid being offered insurance through an employer, but often employers aren't willing to shuffle schedules and most employers seem to require employees be available for long shifts on weekends. Then there's the conflict of interest problem. If a person works in a department store that sells almost everything, they're pretty limited on where else they can work. The reality is, until all states have expanded Medicaid and until the family glitch no longer exists, low income families will continue to get screwed.