Right, the credit can't be based on a plan from the marketplace, and yours isn't since you say it is through the railroad retirement.
Additionally, one (or both) of you need to have purchased a plan through the Marketplace.
Yes, you can amend for 2019 if it results in a refund.
You have 3 years from the date you filed your return (or 2 years after you paid the tax due, whichever is later) to file an amended return.
Please click here for how to amend a return you already filed
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