You are required to have a minimum level of health coverage for you and your tax dependents. This is referred to as the “individual mandate” under the Affordable Care Act (ACA). You have the option to buy health insurance from your state’s marketplace. However, although federal tax credits may be available to lower the cost of marketplace coverage, most XPO employees are not eligible for a federal tax credit because they have access to affordable health coverage from XPO. If you are eligible for XPO health coverage, depending on the coverage you choose, XPO health coverage may be more comprehensive and less expensive because XPO pays most of the cost for you.