Yeah, its cheaper than that and definitely classified as affordable.

I just feel like it doesn't make any sense for them to use the lowest individual plan for the employee only as determining whether or not there could be any subsidies, because although her cheapest individual employer plan was within the %, the cheapest plan from her employer that would cover her spouse too was was well above the 9.8% (about 20%).

They view the combined income of a married couple as one entity for everything else, such as on the marketplace application; yet the subsidy classification is determined by the cheapest cost of a plan only including one spouse.

To me it would make more sense that the cost of both of us having insurance (whether separate or not) should also be viewed as one entity since the marketplace application combines our income, hence why I feel like it's more logical for the determination of subsidies be based on the cheapest employer plan for her AND her spouse, not just for her. If that makes sense.

Doesn't matter anyway, I just feel like somewhere someone dropped a huge ball with that, and it probably leaves a bunch of Americans like us who already do not have high income anyway, in a bad situation.

Anyway, thanks for the quick response. We will probably reschedule her January appointment for May/June. Although, I would like to add that although the marketplace application says she'd disqualified from tax credits... it still lets me qualify for a small one. I've done the application three times over to make sure, because I thought I'd be completely disqualified too, and it keeps giving me one. Do you think its safe to accept that? I called the marketplace and the rep told me that I'm fine, but it still seems weird..