My wife and I are currently working remote and have health insurance through my job. I will be leaving my job for an extended period in a few months, and I’m trying to figure out our best option for health insurance. My wife has plans offered through her employer, but they are only HMO plans that cover the tri-state area around the main office. We could enroll in one of those plans, but it would be a three day drive or a flight to get medical care. Does that extra burden mean we can apply for ACA subsidies, or are we disqualified because we technically have access to a plan?