it sounds like you are a family of two unless i am misreading your question. for a family of two the income limit to qualify for a premium subsidy is $62 000 so you are over that limit.
i understand $94 000 is the income limit for a family of four to qualify for health insurance subsidies. but when i use the various calculators to figure the credit i am learning i do not qualify. my husband and i together will have a magi of about $85 000. why do i not qualify?