daylatedollarshort
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 19, 2013
- Messages
- 9,358
Ouch! That is a huge $$$ hit. Hope things will indeed be better for you & yours in the future ($$ & health-wise).
Unfortunately, folks with MAGI a bit to high for subsidy are still open to financially devastating total HC costs. In my region, 2014 Exchange Silver premiums for early 60's couple are over $1,700/mo with an OOP max of $12,700 (in-network) and NO OON coverage. So a serious health issue could easily push total annual HC costs (inc. OON & non-covered services) into the $40-50+k range you had pre-ACA. That's a massive bill to try to manage on a MAGI of $55-60k/yr
I think the math favors Bronze plans for the generally healthy or very unhealthy. The premiums are lower and the OOP is the same. So one way we'd pay low premiums and very little out of pocket and the other way low premiums and the same out of pocket max as the more expensive plans.
Between financial aid for the kids' college and ACA subsidies we track our AGI really, really close these days. If we go over the 400% of FPL cliff for our family size, a dollar in extra income could cost us big time.
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