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Old 12-19-2017, 06:52 PM
Locrian Locrian is offline
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No, that's not a qualifying event.
Thank you!
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Old 12-19-2017, 06:57 PM
Locrian Locrian is offline
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I admit it was a pretty dumb question though, or at least something I should have known. It's just not something I've seen people try to do very often.
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Old 12-20-2017, 10:28 AM
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I don't know a lot about exchange pricing, but I think you are right - employer subsidy may not be great, but better than no subsidy, given the anti-selection risk that has to be baked in to exchange premium rates.
Well, said the other way, employer groups have little selection except for elective spouses (in fact, being employed is a good UW factor). And -then- most major corps take on 80% of the full cost. The downside is they might not run as lean as ACA plans (lots of util mgt baked in) but that hardly makes a dent.

When I priced ACA plans I think the catastrophic plan ($6k ded) for a 21yo was at least $100-200/mo. With the mandate repeal, I'm not even sure these plans will continue to exist.
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