When completing a new application, it is important that the employer-sponsored coverage (ESI) questions are answered completely and accurately for all household members that have access to the ESI. The online system can determine affordability based on what is entered on the application. The ARC has seen several examples this week where the amount paid by the employee is listed as zero. The assister then calls the ARC because they believe the ESI is unaffordable. If consumers are eligible or enrolled in ESI, it is important that it is listed on the application.