If you have job-based insurance
The fee for not having health insurance no longer applies. If you don’t have coverage, you don’t need an exemption to avoid the penalty.
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.
- Learn about your rights and protections.
- Learn about free preventive benefits.
- Learn the rules that apply to Flexible Savings Accounts (FSAs) for job-based health insurance.