HFCIC Notifies Consumers about the Doughnut Hole of Obamacare

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The Dependent Gap in the Affordable Care Act May Make Affordable Coverage Difficult for Some

It's clear that the dependent gap was an oversight that goes against the spirit of Health Care Reform.

The Health for California Insurance Center is celebrating the fact that The Affordable Care Act will make coverage attainable for many Americans while also notifying the public that some may have difficulty accessing affordable care. Some families may have trouble getting affordable coverage for their families due to a little known doughnut hole in the Affordable Care Act, which is referred to as “The Dependent Gap”.

According to the ACA, if an employee is offered self coverage through the business that costs less than 9.5% of the employee’s income, then not only the employee, but also that employee’s spouse and children become ineligible for tax credits. Thus, an employee could pay out 9.4% of his/her income just for self-only coverage and then have to pay full price for dependent coverage. After paying for a spouse and children to get healthcare, the employee may easily be paying out over 20% of his/her income.

“The Affordable Care Act will allow more Americans to access health care than ever before. However, the dependent gap may make it difficult for many employed Americans to get affordable health insurance coverage for their spouses and children,” said CEO John Hansen. “My hope is that our leaders in California and across the nation will understand the issue of the dependent gap and work quickly to update the ACA on this point. I think it’s clear that the dependent gap was an oversight that goes against the spirit of Health Care Reform.”

About The Health for California Insurance Center
The Health for California Insurance Center, located on the web at http://www.HealthForCalifornia.com, was formed the summer of 2013 to help enroll Californians in health care that satisfies the mandate of the Affordable Care Act. The goal of this agency is to help consumers understand Health Care Reform and make the process of enrolling in government subsidized health insurance coverage easy for consumers in California. To reach the Health for California Insurance Center by phone, call 1-877-752-4737.


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Esmeralda Mercado
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