My 29 year old sister is quitting her job for her final semester of school and will lose health insurance coverage in January. Can she receive ACA coverage/ subsidies for the first half of the year based on estimated 2021 income for the 2nd half of the year (maybe $25k for half year employment), even if the potential future employer will presumably provide health insurance? I understand if income is estimated at zero (which her income will be during school), there would be no subsidy.