> but the overall average for unsubsidized ACA plans is about 6000/year.

That gives you a bronze plan with a really high deductible and out of pocket. Basically you will be paying the inflated insurance prices and mostly not reach the deductible.

> she gets a group policy through the company she uses for payroll.

That's why she pays less though. they are poolling people together through that company. (healthy and unhealthy)