I guess Obama wants me to work harder :)

[sharp_stick]

61. From the healthcare.gov

homepage under the "See Plans Before I Apply" Link.

https://www.healthcare.gov/find-premium-estimates/

I filled out information as a single man age 46 in Lancaster County (you said rural and that one came to mind).

Just on the right hand side of the page asking for the information it says:

This isn't the application for Marketplace coverage. No information you enter here will carry over to your application.

Important: The prices you see here won't reflect the lower costs you may qualify for based on household size and income.

Many people who apply will pay lower monthly premiums than those shown here. Households with yearly incomes up to about $46,000 for individuals or $94,000 for a family of four will qualify for lower costs.

If you're looking at plans and prices for yourself, or for yourself and your family, you'll see:
plans you may be able to buy
plan prices based on your age, family size, and where you live
The prices you'll see are for people who don't use tobacco. You'll get final quotes for specific plans based on your income after you complete a Marketplace application.

When you go to the next page it will show you the numbers you saw originally which are the full price plans. They won't give you any information on subsidies or tax credits until you complete the marketplace application. I don't know why they don't allow you to just ask for it here? Probably some privacy law.

In any case you can get estimates on your actual out of pocket and check links that show income based costs.

What income levels qualify for lower costs?
https://www.healthcare.gov/how-can-i-save-money-on-marketplace-coverage/

Based on your 12 - 15k/year income estimate you are pretty clearly on the levels that should allow you access to lower costs on both premiums and out of pocket.

Also the calculator below will give you a rough estimate of any savings you should be eligible for.
https://www.healthcare.gov/how-can-i-get-an-estimate-of-costs-and-savings-on-marketplace-health-insurance/

I think your easiest course of action, at least at first, would be to call them up at 1-800-318-2596

They can probably explain it a lot better than I can.

Good luck.