CNBC Gets It Right on Health Insurance

Not bad (click here to read the article). But they buried the lead, as expected.


  • The Build Back Better Act means that the ACA subsidy (APTC) extends through 2025, not 2022. This is a huge difference, even more so if there is someone that is attempting to get inexpensive health insurance (who isn’t), prior to reaching Medicare eligibility.

  • If your employer offers health insurance as an employee benefit, then you cannot apply through or your state-specific exchange, unless you have a special exemption. For example, YOUR premium share cannot exceed 8.16 of your income, and you need to fill in an extra form in order to get the exception (not fun, but likely worth it).

  • December 15th is the deadline for insurance to begin on January 1. That is the important deadline.