Determine If Employer-Based Coverage Meets the Affordability Standard

Affordability Standard Calculator

Open Enrollment for plan year 2022 is now closed. Please contact the HR Solution Center if you have questions about the Open Enrollment process.

Employee's spouses who have access to health benefits that meet affordability and minimum value standards as defined by the Affordable Care Act are not eligible for enrollment in UVA's health plans, UNLESS (NEW for 2022) the spouse’s employer does not offer in-network coverage for health options at the spouse’s residence. If your spouse is employed and eligible for affordable health care from his/her employer that provides minimum value, he/she is not eligible to be a dependent on your health coverage unless his/her employer does not offer in-network coverage for health options at the spouse’s residence. 

Use the following calculator to help determine if employer-based coverage meets the affordability standard as derived from the federal Affordable Care Act. Employer-based coverage is considered "affordable" if it does not exceed 9.61% of the employee's income.







NOTE: The affordability standard calculator only determines if your spouse’s coverage meets the affordability standard. Check with your spouse’s employer to determine if their employer-sponsored coverage meets the minimum value standard. If either the affordability standard OR the minimum value standard is not met, your spouse is eligible for coverage on the UVA Health Plan.


I didn't use many resources this year since my plan was not changing.  However, I felt like we were given ample opportunities and resources to be able to make an informed decision.  I most certainly appreciated the variety of ways we could communicate and learn about our open enrollment options for this upcoming year. Jennifer Davis, VKRP Project Coordinator, Center for Advanced Study of Teaching and Learning (CASTL)