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Employer-Sponsored Health Coverage and the Marketplace

Back to FAQs: Health Insurance Marketplace and the ACA

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My employer’s workplace wellness program increases premiums for employees who don’t participate and/or can’t meet certain targets for healthy behavior. Can I leave my employer-sponsored plan and get Marketplace coverage?

I’m eligible for health benefits at work. However, I forgot to turn in my enrollment papers on time during the company’s open enrollment season, so now I’m not covered. Can I get a plan in the Marketplace instead? Can I apply for subsidies?

Does my eligibility for COBRA or other continuation coverage affect my eligibility for premium tax credits or cost-sharing reductions in the Marketplace?

I’m leaving my job and will be eligible for COBRA. Can I shop for coverage and subsidies on the Marketplace instead?

My employer offers a plan with very limited benefits. It only covers preventive services and a few doctor visits each year. However, this plan option is free. My employer also offers a more comprehensive plan option, but I can’t afford to sign up for that one. Can I apply for subsidies in the Marketplace instead?

My employer offers a plan with very limited benefits. It only covers preventive services and a few doctor visits each year. I want better coverage. Can I apply for coverage and subsidies in the Marketplace?

I’m offered health insurance at work, but it’s not very good. I’m applying for better coverage and subsidies in the Marketplace. The application asks whether I’m offered health coverage through a job and whether it meets the minimum value standard. What does that mean?

My large employer offers health benefits to me. My spouse works and has coverage through her job. To figure out whether my coverage is affordable, do I just count my income or do I count my spouse’s salary, as well?

My employer offers health benefits to me and my family. The company pays the entire cost of my coverage but contributes nothing toward the cost of covering my family. We can’t afford to enroll my spouse and kids. Can they get coverage and subsidies in the Marketplace instead?

My employer offers health benefits but doesn’t contribute much toward the premium. I can’t afford my share for employee-only coverage. Can I apply for coverage and subsidies in the Marketplace instead?