US-specific: The ACA (healthcare.gov) subsidizes healthcare insurance costs based on income. Especially in cases where you income is low this can be an awesome deal. Folks making $35k annually get stellar premium costs, deductibles, and out of pocket maximums. As income increases, the subsidies ramp down.

Unaffordable coverage: If your employer’s plan is considered unaffordable, you might be eligible for premium tax credits through the Marketplace. The affordability test considers the cost of self-only coverage and family coverage. For example, if your share of the premium for your spouse and children is more than 8.39% of your household income in 2024, their coverage might be considered unaffordable.