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Change, Update, or Cancel
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.
FYI: Job-based coverage & taxes
Reporting your job-based insurance. If you have job-based health insurance, you’ll need to report that you had coverage on your federal tax return. You may get Form 1095-B or 1095-C in the mail.
Enrolled in coverage through the SHOP Marketplace? The SHOP Marketplace doesn’t provide 1095 tax forms. Contact your employer or your insurance company for assistance.
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.
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.
The health care law provides important new rights, consumer protections, and benefits that apply to most job-based insurance plans.