Affordable Employer Coverage Tool
for HealthSource RI Subsidy Eligibility
This tool helps you determine whether or not you are offered coverage from an employer that is considered affordable. This tool can’t be used for Health Reimbursement Arrangements (HRAs).
If your family is offered affordable coverage from an employer, you and your family are generally not eligible to receive financial assistance to help you buy health plan coverage from the marketplace.
Please note: As of January 1, 2025, due to changes in federal legislation, families that were previously not eligible for financial assistance may now qualify.
Important! To use this tool, you will need information about the health insurance coverage offered by the employer(s) of members of your household.
Before you start, make sure you know if your employer(s) offers health coverage and how much the coverage costs for you and other members of your household.
If you aren’t sure, ask your employer for how much the employee would pay for the following:
- The lowest-cost employer plan if just the employee enrolled
- The lowest-cost employer plan if the whole family enrolled
Federal standards define whether employer-based coverage is affordable. If you are offered employer-based coverage, the coverage is considered “affordable” for calendar year 2025 if it costs you 9.02% or less of your household income and if the coverage meets “minimum value” standards.