Obamacare in old people, need your help

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Like, really disabled

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This. In need of a heart transplant. That is why I have supplement plan "F".

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50k is almost certainly too much income for two people to get a subsidy

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That is our gross income. Once we do taxes, it drops down to around 32K.

You mean your taxable income drops to 32k. You aren't paying 40% tax rates

Might want to speak with a professional.

I know the actual website is shite (still) but you can use this calculator for now... LINK
eta: i ran the numbers based on the info in the OP


Results

The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.

Household income in 2014:
322% of poverty level
Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:
9.5%
Health Insurance premium in 2014 (for a silver plan, before tax credit):
$11,684 per year
You could receive a government tax credit subsidy of up to:
$6,934 per year
(which covers 59% of the overall premium)
Amount you pay for the premium:
$4,750 per year
(which equals 9.5% of your household income and covers 41% of the overall premium)

Other Levels of Coverage

The premium and subsidy amounts above are based on a Silver plan. You have the option to apply the subsidy toward the purchase of other levels of coverage, such as a Gold plan (which would be more comprehensive) or a Bronze plan (which would be less comprehensive).

For example, you could enroll in a Bronze plan for about $1,302 per year (which is 2.6% of your household income, after taking into account $6,934 in subsidies). For most people, the Bronze plan represents the minimum level of coverage required under health reform. Although you would pay less in premiums by enrolling in a Bronze plan, you will face higher out-of-pocket costs than if you enrolled in a Silver plan.
Out of Pocket Costs

Your out-of-pocket maximum for a Silver plan (not including the premium) can be no more than $12,700. Whether you reach this maximum level will depend on the amount of health care services you use. Currently, about one in four people use no health care services in any given year.

You are guaranteed access to a Silver plan with an actuarial value of 70%. This means that for all enrollees in a typical population, the plan will pay for 70% of expenses in total for covered benefits, with enrollees responsible for the rest. If you choose to enroll in a Bronze plan, the actuarial value will be 60%, meaning your out-of-pocket costs when you use services will likely be higher. Regardless of which level of coverage you choose, deductibles and copayments will vary from plan to plan, and out-of-pocket costs will depend on your health care expenses. Preventive services will be covered with no cost sharing required.

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jcole4lsu

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Thanks. Some good info.

But my problem is more to do about me having Medicare. That pays around 80%. My BCBS plan "F", picks up were Medicare leaves off 100%.

Now just for the wife, I sure as hell don't know how that is going to work out.

Punching in numbers on that link, that shite blows the big one, The wife's insurance is $350 a month with a 1k deduction now. ACA raises that to about $450 with a 6K out of pocket expense. SCREW THAT CRAP!

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Are you sure the 9.5% is on "out of pocket"

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Yes, that is OOP.

After going in again today, I was putting in the wrong numbers. Of course they want line 37 of a 1040. Last year was $51500. That would put insurance cost for my wife at $4900 a year with a tax break of $269 a year and $6350 out of pocket.

This is way out of hand.