So my employer offers a "minimum value plan" for $268/mo - it only covers ME, not my kids. The cheapest family plan is almost $600/mo which is half a paycheck. But because my company offers some crap plan I cannot afford, I am DENIED for any subsidy here, and also not eligible for Medicaid assistance. (Neighbor makes $58K/year and they get great plan on here for $170/mo for their family. I make $38K and support 3 kids but CANNOT GET INSURANCE.) That loophole should have been addressed by Congress, I'm sure it affects a LOT of working moms. Also the healthcare.gov customer service reps are poorly trained and not very knowledgeable or polite.