[Jim from C-Town]

If she is 53 and has worked there for several years she probably makes between $18-$25hr. She has one child and WOULD NOT qualify for a subsidy unless she has more dependents She is SOL.

[steve86]

The premium she is paying for employer-sponsored coverage is far above the 9.5% unaffordability criterion. So, just for fun, I ran her and the child through my state's exchange premium estimator, based on an income of $50,000.

Monthly Cost Estimated monthly silver plan premium (without subsidy) $618
Estimated tax credit from the government $222
Your estimated monthly silver plan premium $396

If that income is correct she would even qualify for cost-sharing deductible reduction in my state.