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.

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