You can switch out of your employer’s plan to a Health Connector plan during your employer’s annual open enrollment period. Even if you could continue on your employer’s plan, the ending of that plan would trigger a special enrollment opportunity for you to sign up for Health Connector coverage. An employee is not eligible to receive subsidies through the Health Connector if their employer-sponsored coverage is considered affordable (according to a federal definition) and provides minimum value coverage.
However, as noted below, an employee is not eligible to receive subsidies through the Health Connector if their employer-sponsored coverage is considered affordable (according to a federal definition) and provides “minimum value” coverage.
If you are not in your employer’s annual open enrollment period, you would need to experience a qualifying mid-year election change event to leave the employer’s plan. If you leave your employer’s plan, you may apply for and enroll in Health Connector coverage. If you do not have a qualifying mid-year election change event to leave your employer’s plan, and you still want to apply for and enroll in Health Connector coverage, please know that you will need to experience a qualifying event to enroll with the Health Connector and you would be covered by both your employer plan and Health Connector plan. That means that you would be paying for double coverage.