Likely, not much. If you are eligible for health coverage under the XPO plan, you can participate in the XPO plan just like any other year. If you decide to enroll in one of the marketplace plans, be aware that you won’t be eligible for a federal subsidy, and unless you have a Qualifying Event, you won’t be able to re-enroll in the XPO plan, if you remain eligible for XPO benefits.
If you are not eligible for health coverage under the XPO plan, you may want to enroll in other health coverage. You can enroll through a family member’s employer plan or through your state’s marketplace. Before you decide, visit the marketplace to determine if you are eligible for a federal tax credit.