# Can I get private health insurance if my employer offers it?

I started a new job...

The health insurance plan that is closest in comparison to my current plan is $300 MORE expensive per month. Coincidentally they cover$300/month (it's about \$980/mo!!) so it's technically a "wash" premuim-wise however, two of my doctors are not their plan network and one medication (costly) is not covered. It would work out cheaper for me if I kept my old plan (purchased on the Marketplace in CT). If I keep it, someone at customer service at the exchange / marketplace said I would be penalized by the IRS for NOT taking the "affordable" plan at work. (The co-pays are higher, the coverage is less, I really want to keep my plan as it makes most financial sense).

Note: The employers plan DOES meet the MINIMUM guidelines, but with my health issues it ends up being MORE money out of my pocket.

Anyone know if the info I was given was correct? Will I have to pay a penalty? Also note: I do not get a reduction in premiums or subsidy - I pay full price, so I am not worried about "losing the right to a subsidy" by choosing t

Any/all help is appreciated.

Thank you!