 [ Symptoms ] we have good insurance through my husband is job our premium is going up 20 this year  should we consider the state health insurance marketplaces as an alternative option we are not sure that we are eligible [ Disease ] you can buy a plan through the marketplace but if your employer is plan is considered affordable you will not 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 do not pay taxes on those benefits