Just found out that we are no longer allowed to have benefit reimbursements deducted from our income. So, what can be done to lower premiums? I have client that makes $40k/year and family of 5. He's $900 away from qualifying for medicaid. His employer has paid for benefits via list bill with Assurant. Renewal rates are too high. We decided to check for exchange plans and get subsidy, but now we have to count employer reimbursement. Rates jump from $700 (at a $40k income ) to $1100 (at a $48k income factoring in employer reimbursed premiums ) What can be done? This seems extremely unfair.