Ultimately, each choice is yours; our goal is to serve as your trusted guides and help you make an informed choice about your care. People who decline employer-sponsored medical health insurance and as a substitute purchase protection on the ACA’s Marketplace don’t generally qualify for savings within the form of a premium tax credit, which reduces monthly insurance payments. However, they’re eligible for the subsidy if the job-based insurance coverage they’re supplied doesn’t meet minimal standards for affordability and coverage.
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