New Laws People with coverage through a job

Options if you have job-based insurance

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.

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:

Learn about changing to a Marketplace 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.


Ready to obtain the right health insurance? Check your eligibility for free or low cost health insurance through the marketplace in 4 simple steps...