 [ Symptoms ] my husband was diagnosed with metabolic disorder and high blood pressure  his employer pays 200 toward his health insurance costs of 800month he is 62 we just can not afford these rates any longer plus co pays etc no prescription coverage we pray he will qualify for new insurance we lost our business 4 years ago and are building a new career we are trying to hold on to our home i am disabled and receive disability [ Disease ] if your husband is work based plan does not provide any coverage for prescription drugs it may not meet the standards under the law i suggest you check with his employer to find out if it meets the aca is requirements if it does not there is a possibility you can qualify for a tax credit to help lower the cost of insurance you buy through the marketplace in most cases employer based insurance is the best deal around even when it is pricey still even if you do not qualify for a tax credit it may be worth shopping all of your options to see if you can find a plan at a cost you can cover