Do household members lose access to their PTCs?
Premium tax credits (PTC) are funds designed to help eligible individuals afford health insurance purchased through the Health Insurance Marketplace. The amount one receives in PTC is based on their income and household size.
If your is offered an affordable ICHRA, they become ineligible for PTC. If they are offered an ICHRA offer that is deemed unaffordable and they choose to opt-out, they will still be able to access their PTCs.
If the ICHRA is deemed affordable for the employee but not for his family the family members will still have access to the subsidies available to them on the exchange.