ACA question about unemployment

Middle aged, and I’m concerned about potential upcoming unemployment. I haven’t ever had to navigate loss of insurance, so I am trying to learn about ACA should this happen as it seems it would be vastly cheaper than COBRA option which would decimate our emergency fund. My annual income at the moment is between $170-200K. Spouse income is $25K.

My question is – ACA options are calculated based on annual income correct? So consider two scenarios:

I lose job early in the year, say in the next few months. Between unemployment, spouse income, and my low annual income if I lose job early in 2025 – perhaps we qualify for lower cost plans because my projected income in 2025 would be quite low. At least this is what it looks like on the marketplace?

I lose job late in the year. At that point my annual earnings are way too high to qualify for any ACA lower cost options right?

How does this work in terms of timing with unemployment, or higher earners who lose job late in the year but still don’t want Cobra? Or am I just screwed the further into the year it goes?