 [ Symptoms ] my workplace is offering us junk insurance will that offer keep me from getting subsidies on the exchange  the insurance they are offering us is a fixed indemnity plan with limits on coverage of individual parts of the plan as well as yearly limits [ Disease ] the key to whether you will be able to access subsidies is whether your work based insurance is considered affordable and provides adequate coverage under the law affordable is a plan that costs no more than 9 5 of your income adequate means is covers on average at least 60 of your medical costs if either condition is not met you would be able to buy insurance through the exchange and receive a subsidy