 [ Symptoms ] we are in open enrollment for our health insurance benefits  can you please tell me if we can qualify for the exchange if the cost is less or do we have to participate in the employer sponsored plan [ Disease ] if your employer is plan is considered affordable under the law you will not be eligible for a tax break if you decide to instead buy coverage through your state is marketplace affordable employer health insurance costs no more than 9 5 of your income and covers at least 60 of covered medical costs you should have received a letter from your employer explaining whether the plan it offers meets the law is requirements if you have not ask your human resources department for information