Has anyone opted for affordable health insurance via market place like Nj.gov,Instead of choosing your employer plan? What’s your experience,at the look of it,market place is cheaper..

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I've considered it. It made more sense for us to stick with our employer plan this year. But I highly recommend checking out all your options! It might save you a lot in the long run.

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Marketplace is not your only option..you can private source insurance too. There's a guy that roams on here that private sells insurance ..that may be a better option than marketplace.

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I may be the guy (actually a girl) you're referring to.
I almost always recommend employer plans because they are usually the most affordable option for the employee and they usually accept all preexisting conditions.

The company I work for surprised me with a very good health insurance plan. I have felt no need to opt for a third party plan.

I thought it was illegal to purchase through marketplace if employer offers health insurance. Can someone confirm or advise? I’m in IL if that makes a difference. Thanks.

Some states have their own marketplaces but the other comment is correct. If the cheapest employer option is less than 10% of the monthly income then the marketplace thinks it is affordable and you do not qualify for subsidies

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