People with job-based coverage

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 may not 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 credit or other savings. As long as the job-based plan is considered affordable and meets minimum standards, you won’t qualify for savings. Most job-based plans meet these standards.

Learn about changing to a Marketplace plan.

Canceling a Marketplace plan when you get a job-based insurance offer

If you have a Marketplace plan and then get an offer of health insurance through a job, you’re probably no longer eligible for any savings on your Marketplace plan. This is true even if you don’t accept the job-based coverage offer.

You may want to cancel your Marketplace plan for yourself and anyone else in your household eligible for the new job-based coverage.

Learn how to end a Marketplace plan when you get a job-based 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.