You must pay the ‘entire premium’ cash every month and then hope that you qualify for the ‘tax credit subsidy’ which you won’t get til tax time.
These fools are figuring their monthly payment minus the sub...and planning to pay only that....wait til they find it won’t cover them til their cough up the rest!
I cannot verify this but I suspect that if they've defaulted on their student loans, the dept of edumacation will seize the subsidy as they do refunds, or some portion thereof.
Your post is incorrect.
The subsidy is applied up front.
“you will receive a tax credit that can be applied immediately toward your health insurance premium”
http://www.csmonitor.com/USA/DC-Decoder/2013/1001/Obamacare-101-how-the-federal-subsidy-works-video
The subsidy actually is applied at the time of the monthly premium payment, unless you specify otherwise.
So if you qualify for a subsidy you never have to pay the full premium amount.