[icenine]

Most of the calculators I have used give me a around a 500 dollar premium if you are single, 54 years old and make around 100,000k a year for my Southern CA zipcode. The cutoff for subsidies are 47k for single and 97k for a family of four.


The idea that the ACA hurts the middle class is probably more a perception than reality. I would imagine a lot of anger at the ACA is people upset that others are getting subsides and that more wealthier people have to pay more for qualified plans.
Plus if the middle class was really being hurt by the ACA I doubt Hillary would have been nominated nor Trump would have won.

One of the lessons of the Great Depression is that progressive change does not really occur until it is the middle class being hurt. So my thought is that if the ACA was so awful then Americans would not be giving Obama such high approval ratings. Sanders would most likely be President if the ACA was damaging the middle class so much and single payer would be heading toward his desk next month. He would have gotten all the super delegates during the primaries and easily defeated the terrible Hillary.

Yeah California is hard. I can see not paying for the ACA if I was single with no assets like a home. But if you own a home with equity and don't have health insurance you will lose everything if you have to the emergency room or become really sick.


I would rather charge $10,000 non-deductible on a credit card than face $100,000 from a collection agency. That is like an instant mortgage.