I receive an almost $20k per year obamacare subsidy (wife and I). Insurance rates in TN are insanely high now. $1k per month for each person age 50. We pay zero monthly. This is a silver plan with a further subsidized zero deductible, 50% copay up to the first $800 per year max out of pocket. Because of this, it doesn't pay at all to make any more money than the minimum to live off. Any money I make over about $25k a year as a couple would go almost entirely to increased premiums and the loss of the very low deductible. This is mostly why I drive because of the windfall of the tax deduction for miles when operating a vehicle at a substantially lower cost. It's really a backwards system in my opinion that severely punishes anyone earning more than poverty level wages that needs to purchase health insurance. But, for the time being, I just adapt to it like any other tax strategy.