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Tax credits and employer insurance
Could someone make sense of the following provision in the PPACA.
It states that if your spouse is illegible for health insurance through his employer you cannot opt for tax credits if the employer offers affordable insurance. Affordable according to the PPACA would be less than 9.5% of the employees income. Now consider if this employee has his wife and children on his plan, the premiums could jump dramatically, but still it's affordable because to calculate the 9.5% you consider the employees HOUSEHOLD income (MAGI), not the individual salary. This is absurd as obviously if you take the household income to get to the 9.5% it's always going to be affordable.
Is this a huge glitch.