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Can I turn down my CHOICE plan and take a marketplace subsidy instead?

Only if your CHOICE offer is deemed unaffordable under IRS rules (generally, if your lowest-cost self-only coverage exceeds 10.22% of your household income for 2027). In that case, you may opt out of the CHOICE coverage and claim ACA Marketplace premium tax credits instead.

Your employer provides an affordability determination as part of your CHOICE offer. If you believe the offer is unaffordable, consult a tax professional to understand your options.

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