Yes. The Affordable Care Act ensures that almost all Americans can buy individual and family health insurance from its online Marketplace. Be careful, though. If you refuse health insurance from your employer, you most likely will not qualify for any subsidies, tax credits, or other financial assistance. The only way you might be eligible is if one of the following applies: Your employer-sponsored health plan doesn’t meet the “minimum value standard” of coverage required by the ACA. The cheapest plan through your employer costs more than a certain percentage of your household income. Even without the subsidy, though, a Marketplace plan may offer a more economical deal than your employer-based insurance, so always check the marketplace to make sure you're not missing out on a better deal.