Quote:My wife makes $1900 per month as a part-time teacher.


 

The exchange said that unless the employer goes through them, which they don't, they can't help me. The insurance provider is telling me that I have to pay the extra $50 to make the plan compliant. I asked them what additional coverage do I get for that extra money, and they told me I get nothing.

 

If I were you I would probably not buy the coverage based on your income. At the end of the year you will have a penalty (unless there is another way you can get MEC), but for somebody like you a penalty will actually just result in a smaller return assuming you are withholding federal tax on your pay check.

 

You could also try to apply for an exemption.  There is a long list of reasons for being exempt.  Some can be claimed on your 1040, others through the marketplace.

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