While most people can shop on the exchange, it is specifically designed for those who do not have access to other affordable coverage: without job-based insurance.
If your employer offers coverage that meets specific affordability and quality standards, you can still shop on the exchange, but you likely will not qualify for premium tax credits or subsidies. Are you eligible to use the Marketplace? | HealthCare.gov who can buy insurance on the exchange
To buy health insurance on the Health Insurance Marketplace (also called the "exchange"), you must meet three primary eligibility requirements: You must live in the United States. While most people can shop on the exchange,