this post was submitted on 14 Dec 2025
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businesses with over 50 full time employees are required under obamacare to offer minimum health insurance. it doesn't have to be affordable. most full time workers can't afford their company's family insurance, and don't qualify for any subsidies because their employer offers insurance.
some places it is cheaper to hire only part timers. other places they just get the option with the lowest employer cost share.
health insurance in the US is a byzantine maze of combinations that change radically from state to state, town to town, and business to business.
edit: so, aflac offers a supplemental insurance, so your employer can buy a high deductible plan, and aflac steps in to pay enough of the remainder to make it a low deductible plan. you have two insurance cards, and a third party insurance management firm who takes a cut just to manage it all.