you can buy a plan through the marketplace but if your employer's plan is considered affordable you won't qualify for a tax credit to help pay for coverage. affordable is employer-based insurance that does not cost more than 9. 5% of your annual income and pays for 60% of the medical care covered by your health plan. generally employer-based insurance is a better deal than buying it on your own in large part because you don't pay taxes on those benefits.
we have good insurance through my husband's job. our premium is going up 20% this year. . should we consider the state health insurance marketplaces as an alternative option? we're not sure that we're eligible.