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My employer does not offer health insurance, but my spouses’ employer does. Do I have to take that option?

If you have access to an Employer-Sponsored Group Health Plan through your spouse, you may qualify for a subsidy but it unlikely. If the premium that your spouse must pay for their portion of Employee Only Coverage (not your premium) is considered affordable and meets minimum standards, you won’t qualify for a subsidy. Most job-based plans meet these standards in order to avoid Employer penalties. Unfortunately, the affordability calculation does not consider the Employee plus Spouse premium or the Family premium, just the Employee Only premium. For 2020, Employer-Sponsored Insurance is only considered unaffordable if the amount your spouse would pay for their coverage exceeds 9.78% of your household income.

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