My large employer offers health benefits to me. My spouse works and has coverage through their job. To figure out whether my coverage is affordable, do I just count my income or do I count my spouse’s salary, as well?

Individuals with coverage | Coverage for Employees of a Large Employer |

Yes, you should count your spouse’s income to determine whether your own employer-based plan is affordable to you. The test of whether your employer plan is affordable is whether the amount you must contribute to premiums is equal to or less than 8.39 percent of your household income for 2024. Household income includes your spouse's income. Note: if you and your spouse do not file taxes jointly, you are not eligible for premium tax credits. (26 C.F.R. § 1.36B-2; IRS Revenue Procedure 2023-29)

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues