• Cost can be substantially lower for lower ages

  • Can choose your deductible & coinsurance level

  • Can change coverage each year as needs change

  • Lower income individuals may qualify for Tax Credits or Cost Sharing through the Marketplace


  • Cost can be substantially higher for older ages

  • There may be a limited number of carrier choices

  • Can only purchase during open enrollment periods

  • Premiums paid by an employer are taxable to the employee



  • Can be purchased by an employer any time of year

  • More choices of insurance carriers

  • Premiums paid by the employer are non-taxable to the employee

  • Older employees are subsidized by younger employees

  • The employer must contribute 50% of the employee rate


  • The employer must contribute at least 50% of the employee rate 

  • The employer chooses the carrier and plans offered each year

  • Younger employees usually subsidize the cost for older employees

  • Employees must work at least 30 hours per week to be eligible