My employer coverage is too expensive if I add my family, can I get a subsidy?

Unfortunately, no. According to the interpretation of the law by the Internal Revenue Service and Treasury Department, if a worker’s individual coverage is affordable, the entire family is considered to have “affordable” employer coverage — even if adding a spouse or kids to the plan drives up the price way above the 9.69% threshold. This is called the Family Glitch and is affecting 4+ million people.