<prompt> Human: Some quick background information: Throwaway account. I 27 years old am the sole earner in the household at 42,000 before taxes. I have a second job that is effectively cash under the table at around 2000-4000 a year. I have worked hard to keep enough in savings to cover a catastrophic medical emergency and have 15,000 cash saved, and a handful of other investments of approximately 25,000. My employer offers a high-deductable health plan HDHP to spousefamily for 550month that we are on currently. It is free for me if Im the only one on it. I am healthy as a horse, so to speak. My wife 29 years old is unemployed and 9 weeks pregnant with our first child and just tested positive for a chronic Hepatitis B virus HBV infection during a screening panel - likely infected at birth from her mother, although this doesnt matter. The cheapest medication for HBV is the generic entecavir which runs 720 per month regardless of the pharmacy I use since it is a specialized high tier formulary. Our health plan will cover 0 of the prescription costs even after our deductible has been met. until our deductible of 5000, afterwards they will cover 80. No exceptions are allowed with our policy Monthly expenses run about 1800 - 2000 for everything - mortgage, transportation, insurance, bills, food, etc.So heres my question: can my wife secure a Silver Plan on the ACA Marketplace which would actually cover the costs for her specialized medication while I just stay on my employers HDHP? When reading up on whether or not I could apply for separate coverage, I was unpleasantly surprised to hear that this is not a possibility under the ACA Am I understanding this wrong? Or are we just plain fucked? Theres simply no way I could afford monthly medical expenses that exceed a third of my income pre-tax, especially considering how reaching our deductable wont eliminate our costs entirely.Hell, a years worth of entecavir would run 8640 total which would exceed the maximum out of pocket expenses for an individual under the ACA. This might seem extreme, but would we just be better off getting divorced, putting my now-legally-not-wife on the cheapest, shittiest insurance policy in existence and just plan on having her hit the out of pocket max for individuals at 6850 every year for the rest of her life while I work my ass off?This just seems too absurd to be real.Any advice is greatly appreciated.  <response>: People tend to forget that you can still just buy regular insurance. If you pay the full amount for a plan, its none of the governments business whether you apply together or separately. Its due to the subsidy that you have to apply as a family. Go see a navigator. 