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    I'm having a hard time understanding options if i decline employer coverage

    @foreverthankful Thank you, that makes a lot of sense!
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    I'm having a hard time understanding options if i decline employer coverage

    I am having a hard time understanding if there are penalties for declining employer-based health insurance and deciding to purchase insurance through the marketplace. Based on my salary and the premium I pay for our family on the high-deductible plan, the premium ($$ per paycheck x 26 pay...
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