My large employer offers health benefits to me. My spouse 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 spouse’s salary, as well?

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).

employer health insurance, income

Where We Are

With offices in:

Asheville, NC &
Gainesville, FL

Also serving:

Raleigh / Triangle NC
Orlando / Central Florida

Connect With Us

Hummingbird Insurance ♡ protecting what we love 

Insurance for individuals, families and employers. We specialize in employee benefits, Medicare, health, dental, vision, life & disability.

The Hummingbird Agency, LLC d/b/a Hummingbird Insurance is an independent authorized agent/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Hummingbird Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.

®, SM Registered marks of the Blue Cross and Blue Shield Association.

Privacy Notice Statement | Copyright © 2021 Hummingbird Insurance