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This could really go in the individual health forum as well. I get a call from someone who is on a group plan at work and has to make an open enrollment decision on whether to include his daughter this year (currently has no coverage).
The group premium is steep for his budget with a very high deductible. The daughter is ineligible for any dependent only plans in my area except for short term medical. Assurant has a contract for up to 6 months which would take her to January when the exchanges kick in.
If I understand correctly, the daughter would be eligible for the exchange even if dad is on a group plan? But, there wouldn't be a subsidy even if the income was under 400% FPL since he is eligible for the group plan at work? I am correct on this?
The group premium is steep for his budget with a very high deductible. The daughter is ineligible for any dependent only plans in my area except for short term medical. Assurant has a contract for up to 6 months which would take her to January when the exchanges kick in.
If I understand correctly, the daughter would be eligible for the exchange even if dad is on a group plan? But, there wouldn't be a subsidy even if the income was under 400% FPL since he is eligible for the group plan at work? I am correct on this?