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Is your employer's plan , or does it just have poor coverage ?
Your insurance is not tied to your employment.
Do you need a specific for this article (e.g., professional, simple, or a quick guide)?
Calculate your annual premiums plus potential out-of-pocket costs for both options.
The government determines if your employer's plan is "affordable."
You lose the employer's contribution to your premium. No Subsidies: You likely pay 100% of the sticker price.