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Here's What to Do If You Have Job-Based Health Insurance

Job-based health insurance can affect your taxes and your monthly premium. If you have health coverage through your work or a family member's work, you might not face the uninsured penalty for not having the Affordable Care Act health insurance.

Job Health Insurance vs. Marketplace Coverage

You might want to switch from your job's private health insurance to a Marketplace plan. Each state has its own marketplace for health insurance policies. If you switch your job-based coverage to a Marketplace plan in 2019, you probably won't qualify for a premium tax credit or other health insurance credits.
Most job-based health insurance plans qualify as affordable and meet the minimum standards. Because of this, policyholders are not eligible for additional healthcare savings or tax breaks.

Changing from Marketplace Insurance to a Job-Based Policy

Even if you do not accept a job-based offer for health insurance, you may no longer qualify for savings even if you hold an active Marketplace policy. You may want to cancel a Marketplace plan and accept your job's coverage if it is more affordable than your current plan. Switching coverage may not give you additional tax credits, but you may save more throughout the year on premiums, co-pays and deductibles.

Find the Right Health Plan for You and Your Family

A health insurance agency can help you make the right choices for coverage for everyone in your family. Contact Schnitzer-Slate Insurance Agency to learn more about North Carolina health insurance. We can help you find the right type of coverage for your family, budget and needs.

Call us at (910) 338-0686 to speak to one of our skilled agents. You can also request a free health insurance quote and schedule an appointment directly on our site.

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ABOUT


Schnitzer-Slate Insurance Agency is an exclusive True Blue authorized agency of Blue Cross and Blue Shield of North Carolina.

CONTACT


5725 Oleander Drive, Suite G3
Wilmington, NC 28403 


Call: (910) 392-7020
Hours of Operation:
Mon-Thurs: 8:00 am - 4:30 pm
Friday: 8:00 am - 12:00 pm


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