Able to use tax credit for a healthcare.gov plan if you have available health coverage through work

I’m a healthcare worker, but the only worthwhile healthcare plan offered to me through work is $223 twice per month, which would be $446 for insurance for me alone, which I absolutely cannot afford. I went on healthcare.gov to search for plans there, and after applying I was offered a $307/month tax credit. I found a plan I liked, but when I went to sign up, it said:

“I understand that I'm not eligible for a premium tax credit if I'm found eligible for other qualifying health coverage, like Medicaid, the Children's Health Insurance Program, or a job-based health plan.”

So it sounds like if they somehow found out that I have healthcare offered to me through work-no matter what the cost-that I’m unable to use the tax credit at all. What i’m wondering is: How would they find out if I have a healthcare plan available to me What would happen if I were to sign up through healthcare.gov and try to use the tax credit? Would they deduct it from my tax return at the end of the year? I usually get really small tax returns if at all, so I don’t want to end up owing money.

Thank you in advance for any advice!

submitted by /u/aphroditeamanda
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