So my wife is self employed (an in home day care) and is currently covered on my health insurance at work.

The premiums for me are below the 9.5 %
cutoff for a subsidy but once hers goes up again in Feb it will be well over
that amount. Am I to under stand that as long as she can be covered under my employer, she can't go to the marketplace and get her own health insurance and get any type of subsidy? In other words, as long as my premiums are below the 9.5%, I have to pay whatever the insurance company wants to charge me for hers and there is no relief from it?


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