Individual who are at or below 400% of the poverty level will only receive subsidies (Premium Tax Credits) to help with insurance premiums when they purchase in the Individual Marketplace. They will not receive subsidies if they purchase through their employer. Also, these subsidies will apply to medical coverage first and may not be large enough to cover pediatric dental benefits. Subsidies cannot be used to purchase adult dental benefits. Note that if an employer covers part of the cost of an employee’s benefits, the employee is not eligible for a subsidy through the Individual Marketplace.