Real answers for your healthcare questions
Should I use my employer health plan or buy Marketplace insurance?
Answer
If your employer offers health insurance, compare it with Marketplace coverage before deciding. An offer of employer coverage that meets federal affordability and minimum value rules can make you ineligible for Marketplace premium tax credits, even if you would prefer a Marketplace plan.
What to Know
If the employer plan is expensive for family members or does not meet the applicable affordability test, some household members may still qualify for Marketplace savings. Networks, deductibles, prescriptions, and employer contributions can also make one option more practical than another.
What to Do Next
Check the employer's monthly cost for each family tier and complete a Marketplace application if you are considering outside coverage. Compare the options after any financial assistance, not before.
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