"According to the Kaiser foundation’s online calculator, the average subsidy for a family of two 40-year-old parents and two children with income at the eligibility threshold is $581 a month. That results in a monthly premium of $858 for a benchmark “silver” plan, or just under 10 percent of the family’s annual income. But a family earning $105,000, just $200 over the limit, is not eligible for help and would pay $1,439 per month, or about 16 percent of income, on average.
Premiums aren’t the only concern. Some Obamacare plans can have high deductibles; others don’t include dental coverage, so people must buy separate plans and pay extra premiums. Those factors can make health coverage “unsustainable” for middle-income families, especially those that are working in the gig economy or that otherwise don’t have employer coverage.
Odd as it may sound, self-employed workers with income relatively close to the threshold might consider cutting back on work to stay within the limit. That involves crunching numbers to see if the trade-off makes sense; it may be worth it if your medical bills are likely to be high."
Does the state encourage a talented and willing person to work less? What a nonsense.
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