On October 13, the IRS issued a final rule to modify premium tax credit eligibility by extending subsidies to previously ineligible individuals. The ruling provides a fix for the Affordable Care Act’s “family glitch” by extending subsidies to dependent family members whose employer-sponsored insurance is deemed unaffordable.

MNsure is sending out an “Employer Cost Notice” to those identified as being potentially eligible for tax credits in 2023. Included with the notice is an updated Appendix A form which the consumer must complete and submit to determine eligibility. 

Effective for coverage beginning January 1, 2023, MNsure will calculate affordability based on the full family premium when employer-sponsored coverage is offered to the whole family.

For additional information on Affordability of Employer Coverage for Family Members of Employees, see the October 13 IRS ruling.