Didn't read all the answers but just wanted to throw in 2 cents. If you buy the HSA compatible plan, you can put up to $6,600~ in per family. That will reduce your MAGI by that amount which might be enough so that your insurance doesn't double. We are in the same boat. I'm switching now from grandfathered "non obama" plan to a new one, but our income is 3-4k from the line where our premiums will go from $407 to $858. We are also self employed and have SIMPLE retirment plans but will switch to SOLO 401k's if needed to reduce taxable income further.