Does your employer pay for any portion of your health coverage? The figures the calculator (at least the NY State calculator:
http://www.healthbenefitexchange.ny...es/Tax Credit and Premium Rate Estimator.xlsm) provides is based on one's paying the total cost of one's coverage.
If employers eliminated or reduced the share of coverage they finance, then out-of-pocket costs for insured persons could rise, even if the total net price (price after subsidy) of the given policy fell. It should be noted that the subsidy rapidly falls as one moves through the middle income range. How employers respond will be an important factor in determining the ACA's impact on overall coverage, individual costs to policyholders, etc.
For me--and maybe I'm too cautious to speculate--it's too soon to assess the full impact, for example, its impact on middle income earners whose employers currently fund most of their health coverage costs. In other words, even as the ACA should increase coverage for low-income persons courtesy of large subsidies (an appreciable share of whom don't have coverage), one does not know if this will lead to a significant trade-off in terms of out-of-pocket costs and/or reductions in coverage when it comes to middle- or even higher-income earner. The CBO expects about a 4% reduction in employer-based coverage than would otherwise have been the case within 10 years. Estimating the potential effects of the ACA is highly complex, so there is probably a larger degree of uncertainty than for most policy-related changes.