serious question, extra, what's your total premium (premium tax credit and your share combined) and deductible?By paying taxes, idiot. Just like you paid for my healthcare.
i know half a dozen people who've had obamacare and all of them carried humongous premiums ($20,000+) and huge deductibles, typically around $10,000. how is that even "affordable"? i realize the premium is subsidized so that makes it "affordable". however, if people's income is low enough to get the premium tax credit, there's no way they can afford the deductible. i guess if something catastrophic occurs, the insurance would be good to have, so it's a gamble people are willing to take.
i personally know of three people who underestimated their income for 2018 and was receiving the premium tax credit. in both instances, they were forced to pay at least part of the premium back when they filed their income tax return, one to the tune of over $12,000. i told them to purchase a couple IRA's, though, which they had to get a loan for, in order to get their AGI down below the upper income threshold level so they wouldn't have to pay it all back. they indicated they were able to reduce the APTC payback by 90+%. all 3 of them dropped the insurance because of this. and, yes, i realize it's their fault for not monitoring their income more closely and reporting the increase so their tax credit could be adjusted.