According to CoveredCa site for hubby and me (around the same age) our premiums unsubsidized would be $1200 per mnth. So they are receiving at least $12k a year from the taxpayer.
If a plan for a family of four earning 94k needs a $5500 subsidy, there’s something wrong with the plan and when the subsidy drops to zero at the next thousand of earning, there’s something wrong with the subsidies.