Help me with employer and marketplace plan

Hello, this is a new account, as I do not want others to identify me. Please forgive me if it is hard to understand, as English is my second language, and I am an immigrant. I need help with understanding the difference between Employer and Marketplace insurance. Our company did not have health insurance for its employees. Thus, my wife (31F) and I (34M) have been using a marketplace plan. However, starting in 2024, my employer will offer a health insurance plan to buy.

My basic pay is 2000$ per month with a chance to make some extra. This year, I will make around 25,400$, and my wife does not work. Next year, it will be similar. However, my annual remuneration can go up to 46,000$. Now, my employer allows everyone to buy insurance for 200$ per person. So, for me and my wife it will be 400$. From September 2024, my employer will cover 75% of my cost. So, I will have to pay 250$ then.

I applied through HCA.gov at an annual salary of 26,000$ and got approved for 830$ tax credit. I liked my current plan, which is better than my employer's and costs 866$. So, it will cost me 36$ for my family instead of 400$. I should select the marketplace insurance and decline the one my employer offers. However, my colleague in this similar situation is choosing the one my employer provides. Is there any catch that I am missing?

submitted by /u/More_Caterpillar_881
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