November 26, 2019 22:04 Updated Follow The ACA defines insurance as "affordable" when the employee's contribution for single coverage is not more than 9.5% of the employee's salary. Related articles What are some of the major coverage requirements? What if choose not to have insurance? What if I have questions about COBRA coverage? Can my spouse or dependents purchase insurance from the Exchange even if I am covered by my employer provided insurance? Where can I get a list of HMOs and PPOs?