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friends want to talk a little bit today about a new kind of uh exception called the family glitch put in force by the Biden Administration and what this family glitch is actually going to be able to do and I think this is a good thing for low-income employees people that have families its actually going to make health insurance more affordable to about 5 million more Americans than there are currently today and so what that does is the family glitch act uh allows for uh employees that have families to fall into a category where if theyre paying more than 10 percent of their household income towards their health insurance theyre going to fall into the family glitch category and theyre going to be able to receive a subsidy for their family members in order to get health coverage outside of the employer sponsored plan and on the exchange now thats a great thing for for these families so that they can afford coverage but lets talk about how that is actually going to affect the emplo