Complicated (to me) question about Marketplace insurance for Native American.

Hoping someone may have some info that helps me make a decision. I'll try to be as succinct as possible here:

After a job layoff in late 2023, I enrolled in a marketplace coverage plan. Due to being Native American, I got an incredibly well price plan. In 2024, I spent 8 months as 1099 employee, so no issues with the coverage. A few months ago, I accepted a new job as a W2 (same pay range) and have until 10/31 to enroll in coverage through work. On the marketplace plan, I cant do enrollment on November 1st, which is too late to choose the employer plan.

Here is where my questions come in. I know that if I decline the employer plan and choose to keep the marketplace plan it would likely cost more due to lost subsidies. However, I am having trouble finding info on if my Native American benefits are considered a “subsidy”. If I chose to keep my marketplace plan, does anyone know that I would still receive these Native American benefits? If so, I believe it would still be more financially viable to keep my marketplace plan.

I’m at a point of having to make a decision and not knowing which option might be most affordable for my family. My W2 job is a smallish company, and the insurance rates for me personally will be very costly and cause other financial hardships.

submitted by /u/Jablonious
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