People with job-based coverage

Options if you have job-based insurance

If you have insurance from a job (or a family member’s job), you're considered covered under the health care law and don’t have to pay the penalty that uninsured people must pay.

Changing to a Marketplace plan

If you have job-based coverage, you might be able to change to a Marketplace plan. But you probably won’t qualify for a premium tax credits or other savings. As long as the job-based plan is considered affordable and meets minimum standards for affordability and coverage, you won’t qualify for savings. Most job-based plans meet these standards.

Learn about changing to a Marketplace plan.

More information about job-based insurance

Your rights, protections, and benefits for job-based coverage

The health care law provides important new rights, consumer protections, and benefits that apply to most job-based insurance plans.