Neither me nor my spouse were eligible for employee healthcare at the start of 2017. Our monthly income was around $2,000 per month. (Cheapest plan was way over 8% of that.) We did not enroll in ACA healthcare during open enrollment, and thus were not covered for the entire year.
However, later in the year we ended up getting some unexpected money from stocks, resulting in us having an income for the entire year that was high enough for the cheapest plan not to have been 8% of our total yearly income anymore.
Since open enrollment period happened at a time when we had very low income, (which we expected to have for the entire year,) and there was no opportunity to enroll after having more money, I'm wondering if healthcare can still count as "unaffordable." It was not affordable at time we were allowed to purchase it.
Thanks!
