you are free to shop both on and off the marketplaces for a private insurance plan. but if the cost of work-based insurance for your husband alone costs less than 9. 5% of your income you won't qualify for a tax credit to help you pay for coverage. employer-based coverage is generally a better deal than plans you buy on your own but if you really can't afford it you should shop for alternatives. check out healthcare. gov for marketplace plans. without a subsidy you should also shop outside the marketplace where you'll have even more options. try ehealthinsurance. com.
can i get affordable health insurance even though my husband's work offers insurance but at a high cost i can't afford?