 [ Symptoms ] i am concerned about medical bankruptcy it looks as though i could get the bronze plan for free with a subsidy  i currently use a colorado state medical plan that is not insurance if i were to have a major medical event and be taken to a private hospital i would not be covered and could lose my house under the bronze plan i pay 40 does this mean if i have a 100 000 hospital bill i have to pay 40 000 is there a way to get the subsidy to pay for my insurance premium through my retirement plan which has better coverage than the bronze plan [ Disease ] all plans sold throught the marketplaces cap your total annual out of pocket spending at 6 350 per year once you hit that total dollar amount your insurer must pick up the remainder of your medical expenses if you qualify for a subsidy the amount you receive will be tied to the second lowest cost silver plan however you can apply it toward any of the plans if you buy a gold or platinum level insurance policy you will still receive your subsidy you will just be required to pay the difference in cost