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.
If you have job-based coverage, you may be able to change to a Marketplace plan. But you might not qualify for premium tax credits or other savings that can make Marketplace insurance more affordable. This will depend on:
Any job-based health plan you have qualifies as minimum essential coverage.
This means you don't have to change to a Marketplace plan to avoid the penalty that uninsured people pay.
The health care law provides important new rights, consumer protections, and benefits that apply to most job-based insurance plans.