Home / FAQ / My employer doesn't offer coverage, but my spouse’s employer does. Can I still get individual coverage through Maryland Health Connection?

My employer doesn't offer coverage, but my spouse’s employer does. Can I still get individual coverage through Maryland Health Connection?

Yes, you can buy individual insurance through Maryland Health Connection. However, if you could be covered by the plan offered by your spouse’s employer – and this plan is considered “affordable” and meets certain other requirements – you are not eligible for premium tax credits or cost-sharing reductions for the qualified health plan you obtain through Maryland Health Connection.

Employer coverage is considered affordable if the employee’s share of the annual premium for self-only coverage is no greater than 9.66% of annual household income. Employer coverage also must meet some basic standards, known as providing “minimum value.” Employer coverage provides “minimum value” if it covers 60 percent of health care costs on average.

Your employer should be able to tell you if your plan meets this standard. Ask your employer to fill out an Employer Coverage Tool (PDF).