 [ Symptoms ] i have employer insurance which includes my wife  can i do away with that and apply on the marketplace and include my parents who are under 65 and do not qualify for medicare or medicaid florida and are dependent on me as they had no income in 2013 [ Disease ] you probably do not want to drop your employer is insurance if your portion of the premium does not cost more than 9 5 of your income you will not be eligible for a subsidy if you buy insurance on the marketplace if you have not already received a letter from your employer explaining that its health plan is considered affordable under the aca ask at work to make sure you will need to look for a plan for your parents separately on the marketplace they may qualify for a subsidy i would consult with one of the helpers available by phone at healthcare gov