In general, if you have, or are eligible for, any of the following types of coverage, you would be ineligible for premium tax credits through the Marketplace:

• Employer-sponsored coverage, unless the coverage is unaffordable (your required contribution to the premium for self-only coverage in 2024 costs more than 8.39% of household income) or does not meet minimum value (an actuarial value of less than 60%). Special rules apply when the affordability of family coverage is a concern.
• Government-sponsored coverage, including Medicare Part A coverage, Medicare Advantage plans, Medicaid coverage and the Children’s Health Insurance Program coverage, Veterans health coverage and TRICARE (coverage for members of the military)

• Coverage for Peace Corps volunteers
  
  

However, if you have access to other types of coverage, you can still be eligible for premium tax credits, assuming you meet other requirements:

• Individual (non-group) health insurance
• Student health coverage
• Coverage as a dependent under your parent’s group health plan if you are under age 26 and not claimed as a tax dependent by your parent
• Retiree health coverage offered by a former employer
• COBRA coverage

Browse more questions in the Early Retirees, Medicare and Employer-Sponsored Health Coverage sections.