Affordable coverage (as it relates to APTC)
Employer coverage is considered affordable - as it relates to the Advanced Premium Tax Credit (APTC) - if the employee’s share of the annual premium for self-only coverage is no greater than 9.5% of annual household income. Starting in 2014, individuals offered employer-sponsored coverage that’s affordable and provides minimum value won’t be eligible for a premium tax credit.
Open Enrollment is over
You can now get Marketplace coverage for 2014 only if you qualify for a Special Enrollment Period or are applying for Medicaid and CHIP.