Most people must have qualifying health coverage or pay a fee for the months they don't have insurance. But if you qualify for a health coverage exemption you . A job-based health plan covering only the employee that costs 9.69% or less of the . for a premium tax credit if you buy a Marketplace insurance plan instead. The Affordable Care Act is making health insurance more affordable, helping more . For this exemption, coverage is considered unaffordable if you would have . To know for certain if you qualify for the "Coverage Considered Unaffordable" exemption, prepare your income tax return. Coverage is considered . Unfortunately, it is MUCH more complicated than it seems. To determine if .. How to determine household income in regards to affordability of health plan . NOTE: To clarify the similar numbers below, the exemption for unaffordable .. On the Health Insurance Marketplace coverage is considered unaffordable if the .