Obamacare question about employer coverage

Factual Questions
1

The state exchanges are only available (I think) to people who have insurance through their employer.

I have insurance through my husband’s employer. We pay a premium in order to maintain this coverage. Does that count as me having insurance through an employer, or not? I have seen conflicting info on this.

Thanks.

2

State exchanges are available to most anyone, whether you already have insurance (private or employer) or not.

Your situation DOES count as having employer coverage.

3

Thanks. And yes, you’re right; I saw that people with employer coverage are not eligible for subsidized exchange coverage and misread that to mean they weren’t eligible for the exchanges, period.

4

The definitive source for implementing the Affordable Care Act is:
[ul]
[li] **https://www.healthcare.gov/**[/li][/ul]
It’s also the best place finding links to state level health exchange web sites. I would avoid using a standard search engine to find these sites because scammers have already started with fake exchange sites. These scam sites attempt to mirror the look and feel of the real state-level exchange sites to suck you in and them collect personal data about you (names, DOBs, SSNs, etc.) they will later sell or exploit.