if your employer offers you alone affordable coverage (defined as costing no more than 9. 5% of your income and paying on average 60% of covered medical costs) you won't qualify for a subsidy if you buy insurance on the exchange. you'll also lose on the tax benefit you get from employer insurance. it may not be your preference but you and your wife can split up and have different plans. it may be your best bet for you to take your work-based coverage and shop for a plan for your wife on the exchange.
my company wants me to drop my spouse from my health insurance. . can i go to the exchange for myself and my wife if it costs less even if i have insurance?