Yes. Under the Affordable Care Act you will be able to opt out of your employer's coverage and enroll in a plan through your State's Exchange. The law can actually penalize the employer if you decide to do this, as a means of discouraging employers from offering 'bad' insurance. Below is a summary of the section of the law that answers your question:Summary of Section 1513 of the Affordable Care Act: ObamaCare: Penalties on Employers Failing to Offer Coverage (Post 33)