If I get a job that offers insurance, can I keep the MarketPlace policy I have now and just pay the additional portion covered by the the subsidy?
Yes! You do not have to accept employer-sponsored health coverage if it is offered to you, but upon having access to such a plan, you will no longer qualify for most of the cost assistance you were initially offered.
However, if the job-based coverage would cost more than 9.5% of your household income after deductions, then it is not considered affordable. As such, you could still shop for health insurance on the marketplace and be eligible for Cost Assistance.
As such, you can
- Keep your Marketplace plan and additionally pay the amount previously covered by your subsidies, or
- Qualify for a Special Enrollment Period specific to the job-based policy you were offered. You will then be able to switch to the plan your employer offers you.