Who Can Use The Health Insurance Exchange? 
Any person eligible to purchase health insurance in the United States , with the exception of persons qualifying for Medicaid and/or Medicare is technically eligible to use the government health insurance marketplaces . Whether you would want to or whether it would make any sense for you to use them are other issues entirely . The government marketplaces will help determine if you would qualify for any premium tax subsidy for coverage purchased through their system . If you qualify for little or no premium subsidy then you may find that the government marketplaces may not best meet your needs . You will probably have larger selection of insurance carriers as well as possibly health plan and network options you may not find in the government marketplace . You should seek out the services of a health insurance broker to helpfind the best coverage for your situation . If you have coverage provider by an employer , and this coverage is deemed affordable under the terms of the Affordable Care Act , -LRB- cost does n't exceed 9.5 % of your W2 income -RRB- then neither you nor your eligible dependents will be eligible for premium tax subsidies in the government marketplaces . This does not preclude someone from purchasing individual health insurance inside or outside of the government marketplaces and in some cases buying unsubsidized individual coverage for a dependent may be less expensive than adding them as a dependent onto your group plan . 