When deter­min­ing if an employ­ee has “afford­able” cov­er­age for pur­pos­es of the penal­ty pro­vi­sion, in 2020 it will mean that their share of the pre­mi­um pay­ment exceeds 9.78% of their total annu­al wages.  This is a slight reduc­tion from the amount used in 2019.