ACA and Remote Job Offers: Know Your Health Insurance Rights

When offered a remote job from an out-of-state employer, it’s crucial to understand how it affects your health insurance coverage under the Affordable Care Act (ACA). Let’s delve into the key aspects to consider.

Offer of Employer-Sponsored Health Insurance

Receiving an offer of employer-sponsored health insurance can impact your eligibility for ACA subsidies. If the insurance provided by your new employer meets the ACA’s “minimum value” requirement and is considered “affordable,” it may terminate your ACA subsidy. In such cases, you’re not eligible for financial assistance towards marketplace health insurance premiums.

Minimum Value and Affordability Requirements

The ACA’s “minimum value” requirement ensures that employer-sponsored health insurance covers essential health benefits. The “affordability” requirement states that your monthly premium contribution cannot exceed 10% of your gross income before deductions. If your employer’s plan meets both these criteria, you may lose ACA subsidies.

Out-of-State Coverage Availability

When considering an out-of-state job offer, it’s essential to verify the geographic reach of the employer’s health insurance plan. Some plans may not offer coverage outside the state where the company is based. Ensure that the plan has a national network or covers your area of residence.

Opting Out of Employer Plan

Even if your employer offers health insurance, you can still opt out and enroll in an ACA marketplace plan. However, you will be responsible for paying the full premium cost without financial assistance.

Negotiating with Your Employer

In your job offer negotiation, you can inquire about the company’s health insurance offerings and whether they have plans that cover out-of-state employees. Based on your research, you can discuss the affordability of the plan and its potential impact on your financial situation.


Understanding the interplay between ACA health insurance and remote job offers is crucial for informed decision-making. By being aware of your rights and options, you can navigate this situation effectively and secure the best possible health coverage for your needs. If you need further assistance or clarification, consider seeking guidance from a licensed insurance agent who specializes in ACA health insurance.

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