If I cannot afford my employer coverage, can I apply for premium subsidies through individual or family ACA plans?
Use our 2027 Employer Health Plan Affordability Calculator to see if you might be eligible for ACA premium subsidies and your potential savings if you qualify.
Employer Health Plan Affordability Calculator
For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040).
Includes your spouse, and children claimed as dependents on your taxes. To calculate this value subtract the cost of employee coverage from the cost of family coverage.
Understanding Employer Coverage Affordability
Under the Affordable Care Act, employer-sponsored health insurance is considered "affordable" if the employee-only premium costs no more than 10.22% of your household income (2027 threshold).
If your employer coverage is deemed unaffordable, you may be eligible to purchase a Marketplace plan and receive premium tax credits to help lower your costs.