Can I Buy Health Insurance If My Employer Offers It May 2026

Are you looking at plans or private off-exchange plans?

Visit Healthcare.gov to see what full-price plans cost in your area.

Calculate your annual premiums plus potential out-of-pocket costs for both options.

If it fails this test, you unlock access to Marketplace subsidies. 3. The Tax Penalty

You lose the employer's contribution to your premium. No Subsidies: You likely pay 100% of the sticker price.

There is no longer a federal tax penalty for opting out of employer coverage.

Your insurance is not tied to your employment.