Job offering health coverage, not sure what to do

My wife and I are on joint ACA plan (through Ambetter for $155 after our premium tax credit). My job does not offer insurance. Her job just reached 50 employees and is now offering health insurance, for a ~$200 monthly premium.

Option 1: Remove her from the joint ACA plan, keep me on it and enroll her in her job's insurance for a ~$200 monthly premium.

Option 2: Waive her job's insurance, inform healthcare.gov that her job offers insurance, and pay for two separate ACA plans. Because her job is offering health insurance, this would make her ineligible for a premium tax credit and the cheapest full price plan is ~$400.

Option 3: Don't inform healthcare.gov that her job is now offering insurance, try to stay on our current plan, and risk getting caught (I don't know what the penalties would be).

Option 4: She goes without health insurance. She sees psych doctors so this would have to stop or become incredibly expensive.

Option 5: She quits her job and find one that doesn't offer health insurance so we can keep our current joint ACA plan.

Also, her job JUST informed her of this this morning and is wanting an answer by tomorrow (they say there's a deadline), which seems sketchy to me. Are they being fully kosher or is there something wrong with this? Don't employees usually have like a month to make decisions like this? We are so torn and feel backed into a corner, please help us navigate what is the best choice.

submitted by /u/bloodsweatandtears
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