Doesn’t the federal government subsidize marketplace insurance?

Yes. The federal government provides a subsidy in the form of a tax credit based on a sliding scale of household income and dependents. However, even if your household income falls within the subsidy range, you and your dependents are not eligible for the federal tax credit if you are eligible for XPO health coverage because XPO offers an “affordable” option, as defined by the ACA, for Employee Only (Individual) coverage.