Affordable Employer Coverage Tool
for Marketplace Subsidy Eligibility
This tool helps you determine whether or not you are offered coverage from an employer that is considered affordable.
If you are offered affordable coverage from an employer or a household member's employer, you are generally not eligible to receive financial assistance to help you buy health plan coverage from the marketplace.
Important! To use this tool, you will need information about the health insurance coverage offered by the employer(s) of members of your household.
Before you start, make sure you know if your employer(s) offers health coverage and how much the coverage costs for you and other members of your household.
If you aren’t sure, you can take this form to your employer to fill out: CoverME.gov/Forms
Federal standards define whether employer-based coverage is affordable. If you are offered employer-based coverage, the coverage is considered “affordable” for calendar year 2025 if it costs you 9.02% or less of your household income and if the coverage meets “minimum value” standards.