Family Glitch fix help

I recently got new open enrollment information from my employer and I believe my situation would benefit from the "fix" made to the Family Glitch issue in 2023, but I am not sure. My employer contributes nicely to the employees premium (me) but nothing towards family. I have a self-employed wife and one young child in Pennsylvania. The cost of the lowest plan available for just me is $147 a month, but for me to add my wife and child it would be $1,135 per month. So $13,620 (1,135 * 12) is about 10% of our Adjusted Gross Income from our 2023 tax return. Which is higher than the 8.49% affordability threshold that I've seen around.

So here are my questions:

Am I right that I may qualify for a subsidy in the ACA market place? I am in PA, so from Pennie.com ? If I would qualify for a subsidy, any idea how much of one? In terms of dollars or percent? My employer's open enrollment ends this Thursday, Sept 26 – Do I just enroll myself in the employee plan and then have my wife shop in Pennie on Nov 1 for herself and our child? They are covered through the end of October on our current plan.

Basically, I need to decide in the next couple days if it is feasible to not cover the rest of my family on my employers plan and wait until Nov 1 for them to enroll in their own plan. Pennie lets you browse current plans and I do see some options that have a lower premium and comparable coverage as my employers plan. But Pennie does not show me what a possible subsidy/credits I may qualify for without it being open enrollment.

submitted by /u/eberger3
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