For 2022 coverage, the Health Insurance Marketplace defines affordable job-based coverage as 9.83% or less of an employee's household income (which may fluctuate each year). Currently, this applies only to the employee and not his or her family. This means that if employer-based coverage is considered affordable for just the employee, it is considered affordable for the whole family, regardless of additional costs. If coverage is considered affordable, family members can either pay full price in the individual market or pay the amount the employer requires to cover the family on the employer’s plan.