My family isn’t eligible for subsidies in the marketplace because I am eligible for self-only coverage at work that is considered affordable. But we can’t afford to buy marketplace coverage on our own. Will my family and I have to pay a penalty?

Individuals with no coverage | Individual Responsibility Requirement (Individual Mandate)

You may qualify for an exemption from the individual mandate penalty. If the amount you would have to pay to cover your spouse and kids via your employer plan exceeds 8.05 percent of your family income in 2018 (8.16 percent in 2017), you should qualify for an exemption and won’t be penalized for not having health coverage. You can claim this exemption at tax filing time. (26 U.S.C. § 5000A (e); 81 Fed. Reg. 94058, Dec. 22, 2016).

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues