exchangeIf 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.
Changing to a Marketplace plan
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:
• The type and cost of insurance your employer provides
• Your income and household size
If you have a job-based plan, you’re considered covered
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.