Earlier this week, the Internal Revenue Service (IRS) released a final rule changing the way health care insurance affordability is determined for coverage of an employee’s family members. Beginning with the 2023 Plan Year, if an employee has an offer of employer-sponsored coverage that extends to the employee’s family members, the affordability of that offer for family members of the employee will be based on the premium amount for the family rather than the amount the employee must pay for self-only coverage. when the insurance is employer-offered. The final rule was published in the Federal Register yesterday, October 13, 2-022, making it effective on December 12. Consequently, the change will be reflected in the online application at the HealthCare.gov enrollment platform as well as in the Enhanced Direct Enrollment partner applications as of November 1 when the Open Enrollment period begins. State-based Marketplaces are also adopting the change, but may have different implementation timelines.