If you’re a part-time employee and not receiving any job-based health insurance, then you may be able to buy coverage through the Marketplace and get lower costs (based on your income).

A licensed insurance agent can help guide you through your health insurance choices, both inside and outside of the Marketplace, and ensure your selection fits both your budget and your needs. An agent will help you compare health insurance plans based on price, benefits, out-of-pocket costs, deductibles and other aspects of a plan that may be important to you. Your agent can also help you find out if you qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program.

You might also be able to buy health insurance through the Marketplace, even if your employer does offer coverage to part-time employees. However, you will not necessarily be able to get lower costs based on your income. If your employer offers you insurance coverage, then the only way to be eligible for lower costs through the Marketplace would be if the coverage offered isn’t considered affordable for you, or if it doesn’t meet certain minimum standards.

Your insurance agent can help you use the Employer Coverage Tool to find out whether your employer’s coverage is affordable and meets the minimum standards. It is always best to visit with your agent before you enroll in a plan.