They offer the Obama compliant plan too however, which is 300$ per month, and for Jags02 that is considered "affordable", making him ineligible for the subsidy.

 

I would also check the deductible on this employer plan and see if you can get something similar privately for a similar price.  Probably not though.  Prices are high.

 

I would not buy the 250$ plan.  That is not going to do you any favors.  It's either buy the 300$ plan, reject the plan and go without insurance, or reject the plan and pursue your own plan.

---