Need advice to lower health insurance costs

We’re married filing jointly in MA. P1 makes $120-150k from W2 job. P2 just quit job to FIRE and is now a landlord with a “loss” on tax return after deductions and depreciation. If P2 is added to P1’s work sponsored health insurance, the total cost would be about $600/month. Is there a way for P2 to qualify for lower cost plans? I read somewhere P2 would not qualify for ACA subsidies if their spouse’s employer offers health insurance and it’s affordable. Are there other options worth considering? MA unfortunately has a penalty for being uninsured.

submitted by /u/geandh
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