Home » FAQ » Disponible en inglés: Even if my employer offers insurance, can I still purchase an individual plan through Maryland Health Connection?

Disponible en inglés: Even if my employer offers insurance, can I still purchase an individual plan through Maryland Health Connection?

Disponible en inglés: Yes, but if you buy an individual plan through Maryland Health Connection, you may not qualify for financial help, such as lower costs on your monthly premiums or lower out-of-pocket costs. Specifically, if your employer’s plan is considered “affordable” and meets certain other requirements, you will not be eligible for premium tax credits or cost-sharing reductions for the coverage 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 9.69% 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).