Question: If an employer offers qualified group insurance can an empoloy refuse coverage and take his family of four on to the exchange where they can get a lower premium because of a low family income?
Answer: No. Not if the employer-sponsored group coverage is “affordable”. Affordability is defined as an employee-only cost that is less than 9.5% of the family income. See also my article, Bad News for Families with Modest Incomes.