 [ Symptoms ] can i get affordable health insurance even though my husband is work offers insurance but at a high cost i can not afford [ Disease ] you are free to shop both on and off the marketplaces for a private insurance plan but if the cost of work based insurance for your husband alone costs less than 9 5 of your income you will not qualify for a tax credit to help you pay for coverage employer based coverage is generally a better deal than plans you buy on your own but if you really can not afford it you should shop for alternatives check out healthcare gov for marketplace plans without a subsidy you should also shop outside the marketplace where you will have even more options try ehealthinsurance com