Recent Changes: Special Subsidies for Unemployed in 2021

I’m unemployed this year but my spouse is still working and I can be covered by the plan from her job. Can I choose the subsidized marketplace plan if that’s a better deal?

Possibly not.  A general rule says that people are not eligible for marketplace subsidies if they are eligible for a job-based plan that is affordable and meets standards for minimum value.  See these FAQs for more information.    

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.

The Henry J. Kaiser Family Foundation Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.