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After soaking up more and more information about nobamacare, it has been said that for 2014 their is no way to track or determined if someone is NOT eligible for a subsidy because their spouse is covered by an employer plan which makes the spouse and dependents ineligible for a subsidy. Lets say a prospect calls your office, he or she needs a quote on individual for themselves or their kids, their spouse is covered on an employer plan but cannot afford to pay the family group rates, are we to ask if their spouse works for a large or small group? I am told the "glitch" does NOT apply to the small group/under 50 market BUT their is now way to track that in 2014?? Most carriers are saying for the first year their is no way to report/track if they are indeed eligible based on whether their spouse group coverage is thru a large or small group? Its as though the first year they are looking the other way? With so many people having the option for group coverage thru their spouse but cant afford it, how do we determine who we can say, yes, you get a subsidy based on your income, or no, you don't qualify for a subsidy?