you won't qualify for a subsidy if the cost of just your spouse's employer health plan does not exceed 9. 5% of your household income. unfortunately if the cost is less than that you can buy insurance on the marketplace but won't get financial help to pay for it.
my spouse has health insurance through his employer. i can buy coverage for myself with them but it's very expensive. . do i still qualify to purchase a lower cost insurance through the affordable care act? i've been purchasing my own health insurance which has discontinued my plan effective january 1 2014. in order to purchase health insurance through my current carrier for a similar plan it would cost me nearly double what i have been paying.