QUESTION

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
ANSWER

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 household income (and not just your salary). (26 C.F.R. § 1.36B-2).

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