If you have coverage from a job (or a family member’s job), you're
considered covered and won’t have to pay the fee that uninsured
people must pay.
You may be able to change to Marketplace coverage, but you might
not qualify for lower costs on your premiums based on your income.
This will depend on the type and cost of insurance the employer
provides.
If you have a job-based plan, you’re
considered covered
Any job-based health plan you currently have qualifies as minimum
essential coverage. You don't need to change to a Marketplace
plan in order to avoid the penalty that uninsured people have to pay
starting in 2014.
If you'd like to explore Marketplace coverage options you can, but
there are several important things to consider.
Comparing job-based and
Marketplace plans
With most job-based health insurance plans, an employer pays part
of your premiums. If you pick a Marketplace plan instead, the
employer doesn’t contribute to your premiums. You should consider
this carefully before comparing Marketplace plans.
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