How does XPO’s health coverage differ from marketplace coverage?

Details on marketplace plans, and the insurance companies that offer them, are available on the marketplace websites. There are two key differences in how you pay for health coverage under the XPO and marketplace plans:

 XPO HEALTH COVERAGE MARKETPLACE HEALTH COVERAGE
Who pays for coverage?XPO pays most of the cost for you; you pay the restYou pay 100% of the cost if you have access to an employer plan like XPO’s that is affordable and provides “minimum value” coverage
How are premiums paid?With pre-tax dollars deducted from your pay that lower your taxable incomeWith post-tax dollars that do not lower your taxable income