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Originally Posted by VanishingPoi
Yes, exactly. This is why I don't have medical insurance. These are the people that it hurts. The middle class. It is based on income to get a subsidy. If you you make one penny over that limit which is around $45,000, there is no subsidy for you. By the way, that is just the bronze plan. The platinum is around $1200 a month. It also has a large deductible but I can't remember how much. I will go back and look.
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There is a little-publicized catastrophic-care alternative in the Affordable Care Act. If you can show the $800 per month * (number of family members), is more than x% of total income, you can get the 'inexpensive' catastrophic-only coverage instead. It's better than paying the tax penalty and getting nothing.
Don't know what x% is, but it might be worth looking into.