 [ Symptoms ] we already have health insurance what are the benefits of changing to a marketplace option [ Disease ] if the insurance plan you have is one you buy on your own it is worth taking a look at what the marketplace has to offer    especially if your income qualifies you for a tax credit if you are a couple for example earning 62 000 or less you may be able to lower your costs by purchasing a new health plan through your state is marketplace in addition some older plans do not meet the requirements of the law if that is the case with your plan you will eventually have no choice but to select a new plan however if you get insurance at work the marketplace is likely not for you