about employer coverage. you actually are not required to accept your employer's coverage and you are not prevented from shopping for coverage in the individual marketplace or through a state insurance exchange just because you have employer coverage. but be sure to look carefully and make sure you are comparing apples to apples. even though your employer coverage may feel like it is too costly an option because most employers provide some kind of premium assistance that still may be your best option even after health reform takes effect next year. also if your employer offers you coverage that's considered affordable under the law (no more than 9. 5% of your income and covers on average 60% of medical costs) you won't be eligible for tax credits if you buy a plan through the marketplace even if your income would otherwise qualify you.
i get my insurance through work but it's still expensive. can i reject my employer insurance and use the marketplaces?