The marketplace includes plans that cover as much as 90% and as little as 60% of eligible expenses. Also, network doctors and hospitals may be different from one plan or region to another. As a result, some marketplace plans may be less expensive than XPO plan options.
However, keep in mind that XPO subsidizes 80%, on average, of the cost of health coverage for eligible employees and their families. Because the XPO Employee Only (Individual) coverage level is affordable under the ACA, you are not eligible for the federal tax credit even if your family income meets the subsidy criteria, and even if the federal subsidy is greater than XPO’s subsidy.
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