 [ Symptoms ] i thought your employer insurance had to cost less than 9 5 of your income or cover at least 60 of medical expenses which is true   and or or this is in order to get federal subsidies [ Disease ] to be considered affordable employer sponsored insurance must cost less than 9 5 of your income and cover at least 60 of your medical expenses if your employer insurance does not meet both these tests you may qualify for a federal subsidy