 [ Symptoms ] what if i have health insurance through my employer [ Disease ] if you have insurance through your employer you do not 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 does not cover an average of 60 of your medical expenses you can shop for insurance through your state is marketplace and may qualify for federal subsidies to pay your premium