BatFFP has a good question and the short answer is that she’s screwed:
Long story sorta short: I get super-cheap insurance through my job. It’s well under the 9.5% of my income that would make me eligible to get subsidized insurance on the exchange…
work also gives me the option to buy it for the Spousal Unit — at $800 a month. My Insurance + SU’s = 25% of my monthly paycheck, which would leave us homeless. Whoops!
I have heard the following contradictory things: 1) because MY insurance costs are less than 9.5%, the whole Fam Unit is ineligible for subsidies; 2) I HAVE to buy insurance for SU through my work or pay the no-insurance penalty and leave SU without coverage; 3) because Me + SU = more than 9.5%, there are all sorts of fun subsidies available for SU to enjoy.
No subsidies would be a real bummer, especially as there is a Mini Spousal Unit on the way….
The short answer is #1 — the long answer is below the fold: