Question about Family Health Insurance

I worked for Company A on a government contract and their employee health insurance was super affordable. They also offered family coverage, however, they paid nothing towards the premium, making it extremely unaffordable. So, I stayed on my job-based insurance and set my wife and children up on a good marketplace plan, and even qualified for premium tax credits because my jobs family coverage was deemed unaffordable.

Fast forward to the present. The government contract I work on was awarded to another company, Company B. My salary and position remain the same, but the health insurance they offer is other-worldly. They pay the entire premium for all employees, meaning I don't pay a cent. And the family coverage is incredibly affordable. For comparison Company A was $1980/month for my family, and Company B is $506/month. Which is mind-boggling to me. My family's marketplace plan is only $315/month after tax credits.

My question is; now that my job offers highly affordable health insurance for my family, do I need to switch them over, or can/should I leave them on the marketplace plan? Both plans are good, with only a difference in co-pays being notable.

submitted by /u/KnaveisKniice
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