Thank you everyone for your replies. One clarification about us, we are married. As for my question of what are you paying on an ACA plan keeping MAGI in check? What I am looking for, is what you are actually paying. I've looked at websites and gotten those numbers, but I am curious of how true they are. We currently have 15k - 24k per year budgeted. Hoping that we have over budgeted.
I understand your question. You're asking for out of pocket costs after subsidies.
The problem trying to answer your question is that it varies a great deal. Your age, MAGI, tobacco use or not, and the county or zip code you live in all affects the premiums you will pay. And then the plan you choose and your health care utilization will affect any OOP costs (copays, deductibles, non-covered expenses).
I could tell you what I pay, but I would rather not, because I don't think it would help you. What you really want to know is if the numbers you are seeing are accurate.
I would say that if you are correctly filling out the information on your state's health insurance exchange website and you understand how MAGI is calculated, then the numbers they provide are probably very accurate. I should add that they are accurate in my case, but state exchanges can be either individually implemented or they can use the federal exchange at healthcare.gov, so the quality could vary. I don't have firsthand knowledge of either of the states' exchanges that have been mentioned.
For health utilization, the only thing I know is to look at your current health and recent health history and make guesses. Maybe do best case, worst case, and most likely case if you really want to analyze it.
Be sure you know about how HSAs and CSRs and APTCs work. If you have specific questions about those things, there are a lot of good websites out there - the Kaiser Family Foundation one is often recommended and I think they do a good job.