generally if you have health insurance through your employer the marketplaces are not for you. if the insurance you're offered at work costs no more than 9. 5% of your annual income and covers on average 60% of medical costs you won't qualify for a subsidy when buying insurance on the marketplaces even if your income would otherwise qualify you. you should have received a letter from your employer explaining whether or not your plan meets the law's requirements. likely your best bet is to stick with your employer's plan.
are we eligible for subsidies if we pay our health insurance premiums through an employer? . or do we have to sign up in the exchanges? if so how do we apply for subsidies?