based on your income and family size you should qualify for a substantial subsidy with monthly payments well below $1 000 per month. in fact your plan shouldn't cost more than a few thousand per year. as you likely know there have been many different problems with the functionality of healthcare. gov and one of them is the accuracy with which it determines subsidy eligibility. i suggest you pick up the phone to speak with someone directly at healthcare. gov to get personalized assistance walking through the process. you might also try working with an insurance agent certified to sell through healthcare. gov. you can find one at nahu. org by searching for an agent in your state.
i'm self-employed with a family of 5. my projected income for 2014 is no more than $50 000. yet the aca site offers me insurance plans with monthly premiums of $1 000 or more. shouldn't i qualify for a hefty subsidy?