 [ Symptoms ] i have healtcare thru my husbands work will i be able to shop for cheaper insurance thu obamacare  my deductible is so large i end up paying for all my healthcare [ Disease ] if the insurance you are offered by your husband is work is considered affordable you can shop for a plan through marketplaces set up under obamacare but you will not qualify for a tax credit to help lower the cost of your coverage under the law affordable employer based insurance is coverage that costs no more than 9 5 of an employee is income and that covers on average 60 of medical costs