Can I Be Denied Health Plan If I Work, But Don’t Have Employer Plan?

It is possible, but unlikely. Here is more information about the Family Affordability Glitch. If she isn’t able to get cost assistance because your employer’s plan costs less than 9.66% of your families income (I know it doesn’t make a lot of sense, that why we call it a “glitch”) than she may still be exempt from the requirement to have insurance (if it is over 8.13% of income). This has to be applied for through Healthcare.gov. With an exemption she can try shopping off the marketplace and getting a catastrophic health plan (usually much lower premiums and HSA eligible), or going without coverage.

Also, call your state and federal legislators and tell them you are having problems with this. They are the only one’s who actually have the power to address this specific failure in the law.