Aaaaargh! I’ve read your post (thanks so much!!) twice now and am trying to digest it. No wonder most Americans are totally lost in this sorry, sorry story. Unlike many here, I have some sympathy for people lost in this morass.
Again, thank you for taking the time. I’m gonna have my husband explain it in the morning, lol!
When you get insurance through an employer, that employer picks usually picks up a big portion of the premiums.
In Obamacare, people under 400% of the poverty level (the vast majority of Americans) are supposed to get government subsidies to pay a portion of the premiums.
People like this lady just figured out that the law doesn't allow subsidies for a whole family if one of the primary income earners gets individual coverage from their employer.
The critics of Obamacare have been trying to put this out since the Dept of Treasury put out their interpretation of the law last January. Here is an article explaining this gap.