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What is the health insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one stop shopping" to find and compare private health insurance options. You can also qualify for a new type of tax credit that reduces your monthly payment right away.

Can I save money on my health insurance premiums on the Marketplace?

You may be eligible to save money and lower your monthly premium, but only if your employer does not provide coverage or does not meet certain criteria. The savings you deserve depend on your family income.

Does employer health coverage affect eligibility for premium savings across the Marketplace?

Yes. If you have an offer of health coverage from an employer that meets certain criteria, you will not be eligible for a Marketplace tax credit and may want to enroll in an employer's health plan. However, you may qualify for a tax credit that lowers your monthly premium or a reduction in some cost sharing if the business does.

It does not provide coverage at all or does not provide coverage that meets certain criteria. If the cost of the plan is The employer who will cover you (not any other family member) is more than 9.5% of your family's income During the year, or if employer-provided coverage does not meet the "minimum value" standard set by the Affordable Care Act, you may qualify for a tax credit.

• Note: If you purchase a health plan through the Marketplace instead of accepting employer-provided health coverage, you may lose your employer contribution (if any) to employer coverage. Also, that employer contribution, plus an employee's contribution to employer coverage, is often excluded from income for federal and income tax purposes. Your coverage payments are made through the Marketplace after taxes.

The Marketplace can help you evaluate your coverage options, including your eligibility for Marketplace coverage and its cost. Visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for the health insurance marketplace in your area.