I’m married. I work full-time for a large employer that offers me health benefits, but won’t cover spouses. Is that allowed? Can my wife apply for coverage and subsidies in the Marketplace?

Beginning in 2015, large employers will be required to offer health benefits to full-time workers and to their dependent children, or face a penalty. A large employer is one that employees at least 50 workers. Once the provision takes effect in 2015, your employer would not have to pay a penalty for refusing to offer coverage to your spouse.

Meanwhile, because your spouse is not offered health benefits through your job, s/he may be eligible to apply for coverage and premium tax credits through the Marketplace.

Posted in: Help Paying Private Health Insurance Premiums