Upon reflection, them’s the breaks. No employer healthcare, pay $36/month for subsidized ACA plan. If you get employer healthcare, pay $125/month for that. There are many “glitches” in the system. This one is not nearly as bad as: Earn $12,000 per year and you are eligible for $338/month subsidy, but earn $11,500 per year and you are not eligible for a subsidy (and no Medicaid here).