An employee is not eligible to receive subsidies through the Health Connector if their employer-sponsored coverage is considered affordable (according to a federal definition) and provides “minimum value” coverage. Employer-sponsored coverage is considered affordable if the portion of the annual premium you must pay for self-only coverage does not exceed the annually adjusted percentage of household income set by the IRS, which is 9.02% in 2025.
Employer-sponsored coverage is considered to meet “minimum value” standards if the plan covers at least 60 percent of the total allowed cost of benefits expected to be incurred under the plan. The plan also must provide substantial coverage of in-patient hospitalization and physician services. Most employer plans meet this standard. The Health Connector has a tool located here to help you calculate the affordability of your job-based coverage.