Family members who have an offer of job-based coverage through a spouse or parent that is unaffordable will qualify for financial assistance, even if “self-only” coverage for the employer is considered affordable.
For 2026, a job-based health plan that costs 9.96 percent or less of the employee's annual household income is considered affordable coverage. Thresholds are updated annually.
If you have an offer of job-based coverage through a spouse or parent it is important that you include the premium information of the lowest cost family coverage (that is, the cost to cover the employee+spouse+any tax dependents) that meets minimum value standards to see if you are eligible for financial assistance.
(Note: The policies governing eligibility for financial savings are set by the federal government, and not the Commonwealth of Pennsylvania or Pennie).