Yes, you can leave your employer-sponsored plan and get Marketplace coverage, but your eligibility for premium tax credits depends on how much you must pay for premiums for your employer plan. If your premium contribution with the wellness penalty would be more than 9.02% of your income in 2025, or if your cost sharing increases are high enough to lower the value of your plan below the minimum value standard (60% of average costs of covered services), then you may be eligible for premium tax credits. This test applies whether you are actually penalized or not, and in advance of the penalty being applied (for example, if your employer gives you time to try to meet the health standard that triggers a penalty or reward).