Affordable Care Act
IF you are unsatisfied with the health insurance coverage provided to you through your employer, you can switch to a marketplace plan. However, this may be a less affordable option because switching to a marketplace plan might mean you no longer qualify for certain tax credits.
This will depend on:
Under the Affordable Care Act, your employer is not allowed to offer a health plan that does not qualify as minimum essential health coverage. You will not have to pay the uninsured penalty,and changing to a Marketplace plan will not yield the same benefits for you as it would for an uninsured person.