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

Individuals with coverage | Coverage for Employees of a Large Employer

If you are considering applying for premium tax credits for coverage in the marketplace, the test for whether your employer coverage is affordable is based on the cost of self-only coverage in the lowest cost plan your employer offers, compared to your total household income which would include your wife's salary. If you and your wife do not file taxes jointly, you are not eligible for premium tax credits. (26 C.F.R. § 1.36B-2).

Individuals with no coverage
Individuals with coverage
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