 [ Symptoms ] i am married and my spouse and i both have full time jobs and health insurance through our employers can one of us opt out of our insurance without being penalized or taxed what if our employer is the same [ Disease ] if either you or your spouse is uninsured and your income is sufficiently high which it probably is then you or your spouse will face a penalty however if you are covered under your spouse is plan or vice versa then you are fine no penalty