>2. My HDHP through my employer has the option to cover two or more people, but my wife and I elected to choose the "Employee Only" version of the HDHP plan we signed up under, as it was cheaper for my wife to have her own HDHP through the Health Insurance Marketplace and for me to have a HDHP through my employer.

It's important to realize that your spouse is only eligible for ACA subsidies for Marketplace insurance, if your cost for your employer's plan to cover both of you was more than 9.5% of your family's AGI. https://www.cbpp.org/blog/more-families-will-spend-less-on-health-care-premiums-thanks-to-a-fix-for-the-family-glitch