Home FAQs FAQs: Health Insurance Marketplace and the ACA Help Paying Marketplace Premiums: When Other Coverage Is Available

Help Paying Marketplace Premiums: When Other Coverage Is Available

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The insurance my employer offers is not affordable, so I enrolled in a Marketplace policy with premium tax credits. However, I later got a part-time job and now my annual income will be higher than I originally estimated. At this higher income, the cost of enrolling in my employer-sponsored plan is now considered “affordable,” but I can’t sign up for my employer plan until the next open enrollment season. What should I do? When I file my taxes will I be required to pay back my premium tax credits because I had access to affordable job-based coverage after all?

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?

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?

I’m low-income and currently enrolled in subsidized Marketplace coverage. I just found out I’m pregnant. Under my state’s rules, I now qualify for Medicaid. Do I have to drop out of the Marketplace coverage and enroll in Medicaid? If I don’t, will I have to pay back the premium tax credit?

I’m enrolled in COBRA, but I want to drop it. Does that affect my eligibility for Marketplace subsidies?

My kids are eligible for the Children’s Health Insurance Program (CHIP). Can I enroll them in our Marketplace health plan and get premium tax credits for them instead?

I’m under 26 and eligible to be covered as a dependent under my mom’s job-based policy. Mom no longer claims me as a tax dependent – I file my own taxes, though my income isn’t very high. If subsidized Marketplace coverage would be even more affordable to me, could I sign up for that instead?

My family and I are offered health benefits through my job, but we can’t afford to enroll. My employer pays 100% of the premium for workers, but contributes nothing toward the cost of adding my spouse and kids. Can we try to find a better deal on the Marketplace?

I work full-time for an employer that offers me health benefits, but doesn’t cover spouses. Is that allowed? Can my spouse apply for coverage and subsidies in the Marketplace?