Who can buy a plan — and get savings
Almost anyone can buy a Marketplace plan, but eligibility for savings and for Marketplace coverage itself depends on a few factors — where you live, your citizenship or lawful presence, and whether you have other affordable coverage.
To buy a Marketplace plan you must live in the U.S. and be a citizen or lawfully present, and not be incarcerated. For a premium tax credit, your income generally needs to be above the Medicaid threshold, and you can’t have access to other affordable coverage such as an affordable employer plan. If your income is very low, you may qualify for Medicaid instead — the application checks both.
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Usually only if the employer plan is considered unaffordable or doesn’t meet minimum value. If it does meet the standards, you generally won’t qualify for a Marketplace subsidy — we can check where you stand.