 [ Symptoms ] my spouse has health insurance through his employer i can buy coverage for myself with them but it is very expensive  do i still qualify to purchase a lower cost insurance through the affordable care act i have been purchasing my own health insurance which has discontinued my plan effective january 1 2014 in order to purchase health insurance through my current carrier for a similar plan it would cost me nearly double what i have been paying [ Disease ] you will not qualify for a subsidy if the cost of just your spouse is employer health plan does not exceed 9 5 of your household income unfortunately if the cost is less than that you can buy insurance on the marketplace but will not get financial help to pay for it