 [ Symptoms ] are we eligible for subsidies if we pay our health insurance premiums through an employer  or do we have to sign up in the exchanges if so how do we apply for subsidies [ Disease ] generally if you have health insurance through your employer the marketplaces are not for you if the insurance you are offered at work costs no more than 9 5 of your annual income and covers on average 60 of medical costs you will not qualify for a subsidy when buying insurance on the marketplaces even if your income would otherwise qualify you you should have received a letter from your employer explaining whether or not your plan meets the law is requirements likely your best bet is to stick with your employer is plan