In Minnesota, ACA premiums are low enough that many

[MineralMan]

Minnesotans don't qualify for subsidies who might if they lived in other states. For my wife, that ends up being true, since our household income is a little higher than what would qualify, even though it would appear to, based on stories in the media.

That was a little jarring...until she looked up the actual plans. Currently, her individual policy is close to $1000/month, due to pre-existing conditions and status as a self-employed person who has to keep her individual policy. Under the Minnesota exhange, though, the premium for an equivalent policy is roughly half that amount, even without the subsidies. That's a very good thing, and we're very pleased with what's available.

In neighboring Wisconsin, though, she would qualify for subsidies, due to the higher premiums for policies in that state.

[gopiscrap]

1. excellent

[MineralMan]

4. It's a good result for us, for sure.

[Indykatie]

2. I Didn't Realize Subsidies Were Tied to Premiums n/t

[MineralMan]

3. I didn't either. Apparently it has to do with the percentage of your

income the premiums represent. I first heard of this this morning, and my wife has a message when she signs in that they are calculating whether she qualifies for tax credit subsidies. I think she's just going to go ahead and sign up for a plan. If any subsidies end up being available, we can claim them when we file our 2014 taxes, I understand.

Right now, it's more important to realize those savings starting in January. As it is now, most of my Social Security deposit is used to pay for her health insurance. She won't qualify for Medicare for a few years yet. (yes, I'm a cradle robber.)