Is my employer required to cover my spouse and children?
Large employers (those with 50 or more full-time employees) are required to offer health benefits to employees and their dependents or face a tax penalty. However, this coverage does not have to be extended to an employee’s spouse. Any members of your household not covered by your employer-sponsored plan can apply for coverage through the exchange instead and may be eligible to receive tax credits that can reduce the cost of this coverage. Even if your employer does offer coverage to all members of your family, you and/or your spouse may still shop for plans on the exchange, though be aware that in this case, you may not be eligible for subsidies.
When can I enroll in my employer’s health plan?