Originally Posted by rbmrtn
From what I read in your first post, you were already above the FPL limit, (~45k for single, ~62k for couple) at 75k or 95k, so there would not be be any subsidy to start with.
You are correct in thinking there are "cliffs" to be figured in. I am planning to minimize income to maximize the subsidy, but my expenses are already below the level needed for the subsidy.
I personally do not know the numbers. I am using the Kaiser calculator and am dependent upon their numbers.
Unfortuantely, that calculator only gave 2 choices, single and family of 4. So, I guess my income levels are not correct.
So, this is one aspect of my misunderstanding. 400% FPL is a different income for a family of 4 as compared to a 400% FPL for a family of 2.
Thanks for helping clear this up for me.
But, clearly the marginal benefit of 20K of income added to 300% FPL is rather poor.