The more I look at the photo in the OP, the more I think the insurance doesn't meet the minimum standards required by the healthcare act. If so, that means we will qualify to buy insurance via the exchange even as employees whose employer provides insurance. I can't know for sure if it meets the minimum standards until I see the actual coverage. That picture is blurry. But it appears to be missing certain coverage that is considered essential by the healthcare act, and I believe the maximum coverage applied to the overall policy also disqualifies it because certain essential coverage is supposed to have unlimited coverage. I hope this is the case because there are great Highmark plans available in the exchange for my state.