They take household income in to the equation, she can apply for her own ins. My spouse has, better sit down when the numbers come back. Unfortunately either way you / we're fukd.
It's become easier to understand how some folks decide to take PT jobs vs FT with the hit the .gov and Ins puts on you. You go over say $20K for income the ins runs $4 - 600 per mth not including the $45 - 6500 deductible.
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