The new rule will expand access to affordable coverage for workers' families by determining eligibility for premium tax credits (PTCs) based on whether each family member ― rather than just the employee ― can enroll in adequate, affordable employer-sponsored coverage. If a person does not have any offer of employer insurance that meets standards for affordability and adequacy ― whether it is through their own employer or through the employer of a household member ― that person may now be eligible for PTCs to purchase coverage through the marketplace.