How affordability of employer coverage varies by family income

We find that people in lower-income families with employer coverage spend a greater share of their income on health costs than those with higher incomes.

How Affordability of Health Care Varies by Income among People ...

This analysis looks at the share of working families' income that is spent on premiums, deductibles and other cost-sharing for ...

Affordability of Employer Coverage for Family Members of Employees

changes how affordability is calculated for employees' family members and increases the number of ... of the family income. Self-only premium is more than ...

Affordable coverage - Glossary | HealthCare.gov

In 2025, it is considered "affordable" if the premium is less than 9.02% of your household income. The lowest-cost plan must also meet the minimum value ...

Minimum value and affordability | Internal Revenue Service

... employers are not likely to know the household income ... various provisions of the Affordable Care Act to employer-provided health coverage.

Affordability of Employer Coverage for Family Members of Employees

Although some individuals who are not part of the family might be offered the employer coverage through the employee, the cost of covering ...

Accessing Affordable Health Care - Commonwealth Fund

The IRS now has an affordability test for family coverage that allows dependents to receive marketplace subsidies if an employer offer of family ...

The ACA Family Glitch and Affordability of Employer Coverage - KFF

Currently, this affordability threshold of household income is based on the cost of the employee's self-only coverage, not the premium required ...

How is affordability determined for offers of employer-sponsored ...

For plan year 2024, an employer plan is considered unaffordable if the cost of premiums the employee must pay exceeds 8.39% of the employee's ...

Determining ICHRA Affordability in 2025 - PeopleKeep

The Affordable Care Act's (ACA) affordability rule represents the highest percentage of an employee's household income that they can pay for ...

Health Insurance Costs Are Squeezing Workers and Employers

In addition to the cost of premiums, cost sharing in ESI can pose a barrier to lower-income workers and their families. For lower-income ...

How Much U.S. Households with Employer Insurance Spend on ...

Out-of-pocket costs were considered high relative to income if they totaled 10 percent or more of a respondent's annual household income, or 5 ...

Trapped by the Firewall: Policy Changes Are Needed to Improve ...

The ACA's premium tax credits defray premium costs for low- and moderate-income families purchasing coverage in the marketplace, and cost- ...

IRS Changes Affordability Determination for Family Coverage

An Applicable Large Employer must offer its full-time employees minimum essential coverage that is affordable and provides minimum value. Health ...

An SEP if your employer-sponsored plan is unaffordable or stops ...

But starting with 2023 coverage, the family members can potentially qualify for premium subsidies in the exchange if the cost for employer- ...

Employer-Sponsored Coverage and Premium Tax Credit Eligibility

Employee-only coverage is considered to be affordable if it costs less than 9.02 percent of household income in 2025. If an employer offers family coverage ...

Long-Term Trends in Employer-Based Coverage

The share of nonelderly people covered by an employer plan varies significantly with household income; Eleven percent of nonelderly people ...

What is the family glitch, and is it fixed? - PeopleKeep

Before 2023, employers only used the cost of self-only employer-sponsored coverage and an employee's income in their ACA affordability ...

Salary-based Health Insurance Premiums - Sullivan Benefits

At most companies, insurance premiums vary only by the type of plan selected and family size. However, as a result of the. Affordable Care Act, some employers ...

For low-income people, employer health coverage is worse than ACA

The details: A low-income family with a marketplace plan pays 8.4% of their income on premiums and out-of-pocket costs, compared to 14% for a ...