<prompt> Human: So I graduated college last Summer and have been working my first real job 42,000year since September. While in college, my Healthcare has been super cheap given my financial situation. With my new income, Healthcare.gov offered a great plan with a 386 premium, but a 320 APTC, meaning Id only be paying 66month. This rate and coverage is way better than what my employer has to offer but Im not sure what the APTC means, or how it will affect me later. Is this a bad idea?  <response>: If you have employer coverage, you may not be eligible for premium tax credits? 