Thank you! I was thinking this may be the case in my situation. One example in the instructions to form 8965 made me believe we may both qualify for an exemption, but I guess it's more applicable to 2 separate employer coverage offers:
"Example 1—Two offers of self-only coverage that together
are unaffordable. Justin and Sally are married, have no
dependents, and file a joint return. Justin is offered self-only coverage
through his employer at a cost of 6% of the household income
and is offered family coverage that would cover both Sally
and him at a cost of 10% of the household income. Sally is offered
self-only coverage through her employer at a cost of 5% of
the household income and isn't offered family coverage. Sally
and Justin both may claim the coverage exemption for two or
more members of a tax household whose combined cost of employer-sponsored
coverage is considered unaffordable because
the self-only coverage offered to Justin and Sally doesn't exceed
8.16% of the household income when tested individually, the
cost of family coverage exceeds 8.16% of the household income,
and the combined cost of the self-only coverage offered
to Justin and Sally exceeds 8.16% of the household income."
