you can provide your estimated income for 2013 and use that to see if you qualify for a federal subsidy. if there are any discrepancies between your estimate and your actual income once you file your taxes you will want to let your state marketplace/exchange know so they can adjust any subsidy you are receiving.
my tax return for 2012 will show $10 000 more than my retirement annuity since it included the last check from my job. this will unfairly put me at a higher rate for health insurance than i am earning in 2013. how can i qualify for a lower rate based on my actual income beginning 2013?