What is the reasoning behind this contradiction? Well, the rules proposed by the state of the Internal Revenue Service (IRS) that the meaning of "affordable" depends solely on the cost for each employee of the individual coverage as opposed to the dependents of the employee. The IRS defines these terms in its proposal:
"Coverage for an employee under a plan sponsored by the employer is affordable if the employee's contribution required to cover the. self-only does not exceed 9.5 percent of the employee's household income "
This change encourages employers to channel money into the health insurance coverage for their employees rather than dependents. Family coverage is much more expensive than individual insurance, and employees generally pay more for their share of the premium.
The IRS defines a dependent as the child of an employee who is under the age of 26. Spouses are not considered as dependents. Therefore, under the new rules, employers must offer coverage to children of an employee, but they are not required to offer it to their spouse.
The rules for state and local government agencies, private companies and non-profit organizations. Several provisions have been included to prevent employers from evading the requirements using staffing agencies for temporary staff, rehire and termination or employees handle their work hours.
The fate of the dependent coverage remains to be seen. responsible for the administration reserved judgment on whether or not the spouse and children of employees will be eligible for federal subsidies to help them buy coverage through insurance exchanges of 'State.
0 Komentar