 [ Symptoms ] what if you have health insurance through your employer but the cost of covering your spousedependents is too great  will they be eligible for subsidies [ Disease ] you should look to your state is marketplace to begin the application process if your spouse is plan costs more than 9 5 of your family income it is considered unaffordable and you may qualify for subsidies to buy insurance on the marketplace there are other specific rules about spouse and dependent coverage that should be answered by your state is marketplace