What if I have insurance through my job?

You can keep it. You're considered covered under the new Health Reform law. 

But you may be able to change to enroll in new coverage through the exchange if you want to.

Any job-based health plan you currently have qualifies as "minimum essential coverage" under the law. You don't need to change to a new plan in order to avoid the fee that uninsured people may have to pay for 2014.

Comparing job-based and Exchange plans

With most job-based health insurance plans, your employer pays a portion of your premiums (usually about 50% of your portion of the monthly premium). If you choose a private exchange plan instead for you (as individual or as family), your employer will not likely pay any toward the premium. 

Qualifying for exchange savings in 2014

If you decide to shop for new plans in the exchange, you can. You'll still be entitled to all the new benefits and underwriting. You won't be turned down or charged more premium for pre-existing conditions  claims, gender or profession. Pre-existing conditions and pregnancy are always covered. All new plans must include a of Essential Health Benefits with no yearly or lifetime benefit limits so you can never run out of insurance for core care. 

But be aware that you may not qualify for lower costs on your monthly premiums and out-of-pocket costs (things like deductibles, copays, etc), even if your income qualifies you for it.

Whether you qualify for lower costs in the exchange based on income will depend on what kind of coverage your employer offers. 

If your job-based coverage is considered affordable and meets minimum value, you won't be able to get lower costs in the exchange. This is true no matter what your income and family size are.

Your employer can tell you whether the insurance plan it offers meets minimum value and can provide you with information to determine if the plan is considered affordable to you.

If you do not qualify for lower costs in the exchange, and your employer does not pay part of your premiums on new plans in the exchange, be sure you take these things into account before you consider choosing a plan other than your employer’s.