if your employer offers insurance that's both affordable and provides adequate coverage you won't be eligible for financial help when buying a plan through the marketplace set up under the law. affordable and adequate employer health insurance is defined as coverage that costs no more than 9. 5% of your income and covers on average 60% of covered medical costs. i was looking at the experts answer. my wife got insurance under the act and her employer offers it. it did not fall into those guidelines but she got it because it was cheaper.
if my company offers insurance can i enroll in the affordable care act so that it is more affordable?