Alternatives to covered ca?

Hi - I was wondering if anyone had some advice for my situation. I'm 71 I have Medicare I just lost Medi-Cal and I have a Blue Shield supplemental so I'm paying $430 a month. My son who's going to be 19 lives with us and I'm not claiming him on taxes so he can apply for Medi-Cal as an adult so hopefully he'll be taken care of. My daughter moved out and got health insurance through her job. it's my wife that's the problem. She's 51 lost her medical assistant job because Covid ended and her company went under, as mentioned we lost Medi-cal, so she's the one that needs to be insured and the cheapest premiums are around $600 with a high deductible. Here's the issue: on paper we make too much money. I teach part time even at 71 and I pull in 37K a year, my Social Security is around 20,000 a year, and then I have a required minimum distribution of around 33,000 and when you add some dividends that I don't receive as income but that are reinvested on paper I'm making around 100,000. The thing is that required minimum distribution goes to paying down the HELOC which was used to put solar and a roof on the house. And of course San Diego is expensive I have a mortgage as mentioned I have a HELOC I have a car payment car insurance water electric gas… When you add all that up I can barely make ends meet and this additional 600 a month is going to mean pulling more money out of my retirement fund prematurely bleeding it dry, which increases my income and my tax. Are there alternatives to what I'm seeing on the covered California marketplace website? I see some too good to be true offers on Instagram and I'm leery. Thanks for any suggestions.