For plan years through 2018, 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.
Starting with the 2019 plan year (for which you’ll file taxes in April 2020), the fee no longer applies.
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.