Health Insurance Marketplace and the Truth behind Obamacare Subsidy Eligibility Checks

These sets of guidelines, which function as subsidy eligibility check, work to determine who fits the bill for issuing federal subsidies. A variety of clauses are in place to categorize people into different sects of federal subsidies. In a nutshell, it is a comprehensive method for determining who will receive subsidy, and to what extent. However, with a recent announcement, the subsidy checks for a certain group of individuals is about to change.
 Employer Mandate Delay and Its Ramifications
The latest news about employer mandate delay has brought some unforeseen consequences upon the federal authorities. According to the employer mandate, large employers, which have more than 50 employees, were required to comply with ACA by January 2014. The recent announcement of delay in the implementation of this aspect of the Obamacare act postpones this to January 2015, exactly one year late. 
In this period of one year, it is obvious that the authorities will not have a mechanism to verify whether applicants are eligible for subsidies in the individual health insurance marketplace in 16 states. Till the time the employer mandate is put into effect, states will have to accept every applicant’s request for subsidy till the time the employer mandate is put into the equation, which is by 2015. In an ideal scenario, an applicant is ineligible for Obamacare subsidies if he/she is already receiving subsidized healthcare coverage from the employer. The employers notify the authorities whether a person is receiving subsidized care.
The delay in employer mandate means that there will not be any authority to report if the employee is receiving subsidized coverage, thus causing ambiguity in the system. As an end result, it would lead to falling of this particular group into the net of federal subsidies. Any applicant may receive subsidies without any further verification in this potential scenario that will soon unfold.
Naturally, this will have severe ramifications for the entire PPACA budget. 
• People ineligible for federal subsidies will receive subsidies, thus affecting the cost allocation
.• The promised benefits would be wasted on people who do not need them.•Taxpayers’ money would be spent on people who do not need federal assistance.• Rampant abuse of the system and PPACA subsidies that will affect the efficacy of the act.
Countering the Employer Mandate Delay Consequences
The above ramifications clearly show that the employer mandate delay would have some unprecedented consequences. To avoid widespread abuse and discontent, the authorities would have to establish some strategies for countering the ill effects.
Some obvious ways of handling this problem include:• Establishment of a central authority which can determine if an employee is receiving subsidized coverage from the employer.• Verification checks of each and every applicant for federal subsidies.• Delay of all the associated guidelines of Obamacare till 2015 for ensuring smooth implementation of the whole act.
While some of these actions are more inconvenient to implement than the others, a specific strategy can be affected by the federal and state authorities for nullifying the challenges arising in health insurance marketplace implementation due to the delay in employer mandate.