if you have insurance through your employer you don't have to do anything. the marketplaces are generally for people who buy insurance on their own or are uninsured. that being said if your insurance costs more than 9. 5% of your income or doesn't cover an average of 60% of your medical expenses you can shop for insurance through your state's marketplace and may qualify for federal subsidies to pay your premium.
what if i have health insurance through my employer?