Have you included the subsidy for families making less that ~$90k?
Originally Posted by jmotivator
Here's what could affect your coverage cost. This breakdown is only for those who buy plans on the individual market through the exchanges, and doesn't apply to those with employer-sponsored plans.
Income: One of the top factors determining how much you'll pay next year is your income. That's because subsidies are available to those with incomes of up to 400% of the poverty line -- roughly $45,000 for an individual or $92,000 for a family of four. Some 57% of enrollees will receive subsidies, and those subsidies will cover nearly two-thirds of the premium, on average, according to the Congressional Budget Office's estimates.
The least expensive silver plan for a 21-year-old could cost $216 a month, but those earning only 150% of the poverty line (or $17,235 annually) may pay only $44 after receiving federal subsidies. A 40-year-old may pay $276 a month, or $40 after the subsidies.