If an individual’s employer does not offer insurance, what option is available to them?

When an individual's employer does not provide health insurance, one of the primary options available to them is to purchase insurance directly from the Health Insurance Marketplace. The Health Insurance Marketplace, established under the Affordable Care Act, allows individuals and families to compare and enroll in various health insurance plans that meet their needs.

This option is particularly significant because it provides an avenue for those without employer-sponsored coverage to secure health insurance, potentially with financial assistance based on their income level. The Marketplace offers a range of plans with different coverage levels and costs, enabling individuals to select a plan that fits their healthcare needs and budget.

Other options mentioned, such as joining a state-sponsored plan, may not be universally available or may depend on specific eligibility criteria and circumstances. The assertion that an individual would be ineligible for health coverage is not accurate; there are always alternatives available under the ACA. Similarly, relying solely on emergency services is not a viable or comprehensive healthcare option, as it does not provide necessary preventive care or treatment for ongoing health issues. Thus, purchasing insurance through the Health Insurance Marketplace is the correct and most viable solution for individuals whose employers do not offer health insurance.