If a customer has an offer of employer coverage costing more than 8.39% of their annual income, what can they do?

When a customer has an offer of employer coverage that costs more than 8.39% of their annual income, they may qualify for more affordable options through the Pennie marketplace. Specifically, the Affordable Care Act (ACA) outlines provisions related to affordability which allow individuals whose employer-sponsored coverage is deemed unaffordable to pursue alternative health insurance options.

In this scenario, enrolling through Pennie with financial assistance becomes a viable choice. This means the customer can access a range of health insurance plans that may come with premium tax credits and other forms of assistance designed to lower their out-of-pocket costs, making health coverage more attainable.

Financial assistance through Pennie helps to bridge the gap for those who find their employer’s coverage too costly, specifically when it exceeds the affordability threshold set by the ACA. Consequently, this allows individuals and families to secure necessary health coverage without facing excessive financial strain.

Other options such as enrolling in medical assistance or Medicare may not be applicable depending on the individual's circumstances, such as age, disability status, or specific income level, which highlights why enrolling through Pennie is the most suitable choice in this case.