Sometimes. It comes down to whether the job's plan counts as affordable and good enough under federal rules.
If the job's plan passes both, the employee cannot get a premium tax credit on CoverME.gov. You can still buy a CoverME.gov plan, at full price.
Since 2023, a spouse and children are judged on what it costs to cover the family, not just the worker. If family coverage costs more than 10.22% of household income, the family members may qualify for savings even when the worker does not.
If your job does not offer coverage to you, or you are not eligible yet, the job's plan does not block savings. Turning down an offer of affordable coverage does not make you eligible.
Ask your employer for the monthly employee cost for the cheapest plan, and the cost to cover your family. CoverME.gov asks for these, and they decide the answer.
For 2027 the IRS set the threshold at 10.22% of household income for the employee's share of the cheapest employee-only plan.
They may, if the cost of family coverage is more than 10.22% of household income and they meet the other rules.
Not if the plan is affordable and meets minimum value. Declining it does not make you eligible for a premium tax credit.
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