While a QSEHRA or CHOICE is not a traditional employer-sponsored insurance plan, it does qualify as an employer-provided health benefit. Some companies may limit spousal plan enrollment based on whether you are offered employer-sponsored insurance by your own employer. Whether you can stay on your spouse’s employer plan depends on that plan’s specific eligibility rules. Generally, a QSEHRA/CHOICE is considered employer-provided health insurance and impacts ACA affordability guidelines.

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