Another odd thing I noticed with the calculators is that insurance for 1 is less than 1/2 the cost for 2. @ $61K for 2 is $1300, for 1 it is $474...
However I am glad to be able to have access to HI.
As I understand it all these calculators are based upon 2 options - single adult
or a family of 4 with 2 adults and 2 children. So, when you put in 2 adults it is really quoting the same that it would quote for a family with 2 children or 3 children for that matter. I think that when the actual numbers come out you will be able to do different family sizes.
I am curious about one thing.
If you put in for a single adult it bases subsidy eligibility based upon being in a one person family. If you put in family it is basing subsidy eligibility upon being in a 4 person family. I'm sure that when actual numbers come out this will be based upon actual family size. That is - if you are a 5 person family then the subsidy will be based upon that while a 2 person family will be based upon 2.
What I haven't seen are what happens in a couple of other situations that I think will be common:
1. Married couple. One spouse is under 65 and one is over 65 so on medicare. The younger spouse can buy insurance for a single person but will the subsidy be based upon a 1 person family or 2 person family? Only 1 person is buying insurance but that younger spouse is in a family with 2 people....
2. Married couple with adult children in college. Does that 20 year old buy an individual policy or does the family buy a family policy? Does this depend on if the adult child is a dependent?
At this point this is mostly academic information for me. DH is on medicare and the kids and I have retiree coverage through his former employer. However, I realize it is possible (maybe even likely) that the employer at some point will drop the retiree coverage.