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Am I eligible for a Marketplace plan if my employer offers insurance?
Am I eligible for a Marketplace plan if my employer offers insurance?
Ricky Phipps avatar
Written by Ricky Phipps
Updated over 6 years ago

Yes, but it’s important to know that you will have to pay full price for a plan. That means you will not qualify for a subsidy. 

However, if your employer sponsored health insurance is considered “unaffordable”, you may qualify.

Here’s how to determine if it’s unaffordable:

  1. Look at the plans offered to you by your employer

  2. Find the plan with the lowest monthly premium

  3. Calculate your total monthly household income, before taxes

  4. Multiple that number by 9.69%

  5. If the premium is above the amount you calculated, it is considered unaffordable 

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