Marketplace insurance vs new employer insurance

Hi all,

Looking for some expert advice!

For the last 3 years I’ve been on subsidized marketplace health insurance because I have been in grad school with very minimal income. I just graduated in May and started a new job this month. The new job offers health insurance starting 1 month after being at the job.

However, I am currently 7 months pregnant due in December and I’ve already met my deductible with my current health insurance through the marketplace, meaning all my remaining appointments for the rest of the year are paid for which is so nice! If I switch to employer insurance, that deductible resets to $4,500. Because of this I’m inclined to remain on my marketplace plan and then switch to employer insurance on the first of the new year.

My question is, is this allowed? Technically my total annual income for this year will still fall into the subsidized “low income” bracket since I’m only starting with 3 months left in the year. But because my employer offers an “affordable” healthcare plan, am I obliged to take it in the eyes on the government and therefore no longer qualify for marketplace subsidized plan?

Thanks in advance!