the key to whether you'll be able to access subsidies is whether your work-based insurance is considered affordable and provides adequate coverage. under the law affordable is a plan that costs no more than 9. 5% of your income. adequate means is covers on average at least 60% of your medical costs. if either condition is not met you would be able to buy insurance through the exchange and receive a subsidy.
my workplace is offering us junk insurance will that offer keep me from getting subsidies on the exchange? . the insurance they are offering us is a fixed indemnity plan with limits on coverage of individual parts of the plan as well as yearly limits.