The Internal Revenue Service (IRS) announced that the affordability percentage will be 9.02% for 2025.  The affordability percentage is used to determine the threshold at which the cost of health insurance coverage is considered affordable under the Affordable Care Act (ACA).  Coverage will be considered affordable if an employee's self-only coverage does not exceed 9.02% of household income for 2025.  The 2024 affordability factor was 8.39%.