If you are a middle-income family or individual, you likely qualify for affordable private health insurance with the help of Obamacare. This includes subsidies (direct payments to insurance companies) to reduce or eliminate your monthly premium. You may also qualify for cost-sharing reductions (that substantially reduce deductibles, coinsurance, and copayment out-of-pocket expenses)
In 2023 The federal government expanded subsidies so families of those who get health insurance at work can be covered as well. This costs employers nothing to arrange. These Premium Subsidies and Cost Sharing benefits are available to anyone who has an annual income between $14,580 ($35,000 Family) to $58,320 ($120,000 Family)
Employers who offer health insurance as part of the job can now arrange for the families of their employees to easily get separate health insurance at no cost to the company. Note: Most employers are unable to pay for family coverage, even if they contribute to the employee’s cost.
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