If you are offered coverage through your employer, you can enroll in a Marketplace plan instead, but you probably won’t qualify for a premium tax credit and other savings - even if your income would qualify you unless your employer plan is considered unaffordable.
An employer health plan is considered "affordable" if your share of the monthly premiums for the lowest-cost self-only coverage that meets the minimum value standard is less than 9.66% of your household income.
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