Help Paying Marketplace Premiums: When Other Coverage Is Available

I’m married. I work full-time for a large employer that offers me health benefits but won’t cover spouses. Is that allowed? Can my spouse apply for coverage and subsidies in the Marketplace?

While large employers are not required to offer health benefits to full-time workers and to their dependent children, if they do not and an employee receives Marketplace subsidies, the employer could face a penalty. Large employers will not be penalized if they do not offer health benefits to the spouses of full-time workers. A large employer is one that employs at least 50 workers.

Because your spouse is not offered health benefits through your job, they may be eligible to apply for coverage and premium tax credits through the Marketplace.

Browse more questions in the Employer-Sponsored Health Coverage and the Marketplace section.

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.