<prompt> Human: I have family coverage through my employer me, wife and kid. Its 350 every two weeks. They also said we dont qualify for any subsidies on the Marketplace. Im a veteran and living in Texas. I would drop my coverage but then they couldnt get coverage through my job. Re-enrollment papers have to be in within a couple days. What should I do? Drop coverage and pay the penalty? Try to get child on CHIP might take a long time?  <response>: This transcends finance in some ways; having an uninsured kid is begging for trouble.Also, if youre violating the ACA by not having coverage, this may throw your ability to qualify for the EITC into question, but thats a bit out of my wheelhouse. 