 [ Symptoms ] i am currently hippa eligible and insured through i chip through the state of illinois  will i be subject to unlimited out of pocket expense since i will need to apply for new insurance through the aca marketplace [ Disease ] while you are still working you will not qualify for a tax credit if the employer is plan is considered affordable under the law affordable employer health insurance costs no more than 9 5 of your income and covers at least 60 of covered medical costs health plans must now limit your annual out of pocket costs to 6 350 for an individual and 12 700 for a family once you retire and are no longer an active employee you can buy a plan through the marketplace depending on your income you may qualify for a tax credit to buy insurance through the marketplace