 [ Symptoms ] i understand 94 000 is the income limit for a family of four to qualify for health insurance subsidies but when i use the various calculators to figure the credit i am learning i do not qualify my husband and i together will have a magi of about 85 000 why do i not qualify [ Disease ] it sounds like you are a family of two unless i am misreading your question for a family of two the income limit to qualify for a premium subsidy is 62 000 so you are over that limit