I have received so much help from the Daily Kos group for answering my ACA questions, that I have come to you again for help. I have a family of four, gross income of less than $30,000/year. There are (2) adults, (1) young adult at 22 years of age, and (1) child at 2 years old. The husband has employer provided health insurance, which, to cover just himself, is less than 9.5% of his salary. However, to cover his complete family, which of course he needs to do, the cost is astronomical; about 30%.
It would seem to me that the 9.5% of a person's income would pertain to the family cost for insurance, if you are planning on covering your family and you are the sole supporter, right? In other words, my friend's family should be eligible for insurance through the exchange. But, I believe I have read that the 9.5% of income is for self insurance only. Is this correct? If so, how could a family of four