Allie Krueger is one of those people. Right now, Krueger and her husband are paying 25% of their gross income for health insurance for them and their 2-year-old child — and she’s pregnant with twins.
“I was shocked,” Krueger said in an interview, recalling how she discovered the glitch to her disbelief after she was laid off from her job of 16 years in the entertainment industry, a sector hit especially hard during the pandemic.
Krueger and her family are caught in what’s known in the health insurance world as the “family glitch” of the Affordable Care Act, whose title serves as an irony for the bureaucratic hole that could encompass more than 5 million Americans. There’s a push to address the issue, and it might be as simple as a stroke of the pen by someone in the Biden administration.
The glitch is basically this: The ACA was written so no one would be forced to pay more than 9.83% of their income for health coverage — a figure deemed affordable. Anything more than that merits a subsidy. It works for single people. And it works for any parent.