The deal on (N)AFA plans is that a credit is given if your income is between 1.33x and 4x the poverty level. However, once your income is outside of those levels -- BAM -- you loose ALL your subsidy. You can only change plans Nov 1 - Jan 31 and during a "life event". So if your income goes up or down you'll be clobbered with a TOTAL LOSS of the subsidiary. How can you project that witg total accuracy. It's a TOTAL DISINCENTIVE to work hard, smart, and productively.
We switched to a Christian-based share plan that is allowed by the Act and will save us thousands of dollars. Send a private message if you want more info.
Thing is - it's not really a subsidy. It's Uncle Sam paying you some of your money back for subsidizing desperately sick people. If Uncle Sam doesn't pay you back, you are in fact bearing the full cost of subsidizing those people. Obamacare is essentially a welfare program where people who can't afford to subsidize the sick end up subsidizing the sick. What it really should have done (to pay for subsidies to the sick) is increase earned income, interest, dividend and capital gains taxes to 50% for people earning $10m or more (thereby wiping the smug grin off Warren Buffett's face), instead of punishing healthy but not wealthy people who can't afford to buy health insurance. But that would have pissed off the Democratic Party's wealthy backers.
Delighted to see someone making use of the medical sharing ministries. Glad to hear that it seems to be working for you.