 [ Symptoms ] is there any way to speed up a cold once you feel one coming on [ Disease ] if your employer offers insurance that is both affordable and provides adequate coverage you will not 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