Help Paying Marketplace Premiums: When Other Coverage Is Available

I have an individual health insurance policy that I buy on my own. Can I drop it and go into the Marketplace and qualify for premium tax credits?

Yes, having an individual policy does not disqualify you from buying Marketplace coverage and qualifying for premium tax credits. However, remember that you can only drop your existing policy and buy a new one during the Open Enrollment period.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.