I used the Kaiser Calculator for my family, with MA as the state, $50K MAGI and got these results for the Bronze plan -
"For example, you could enroll in a Bronze plan for about
$1,492 per year (which is 2.98% of your household income, after
taking into account $7,581 in subsidies)."
Are you sure you have the correct rates? Are you using a much higher income? I am still not seeing how in either CA or MA a family making $30 - $50K would not get highly subsidized insurance.
The subsidies do not stop until the MAGI for a family of 4 is $92.4K.
See -
Federal Poverty Guidelines
And even unsubsidized, the health exchange rates for us are still much lower than the COBRA conversion plan we are on now.