The family glitch has been a perplexing issue, where employer health insurance coverage was deemed affordable based solely on the cost for the employee. However, this calculation did not take into account family members who were ineligible for Premium Tax Credits (PTCs) to obtain coverage through ACA marketplace plans. This meant that, even if the family coverage was expensive, as long as the employee's individual coverage was affordable, the entire family was excluded from PTC eligibility.However, recent IRS regulations have brought about a positive change by extending PTC eligibility to include family members. This means that now employees' entire families can qualify for PTC coverage if the family coverage costs more than 9.12% of the household income under the lowest-cost employer-sponsored option.