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Because of the way the subsidies are calculated, younger people will be less likely to receive an exchange subsidy. Most single people without children aged 18-34 will not receive a subsidy if their income exceeds 300 percent FPL ($34,470). However, most people age 51-64 will receive a subsidy up to 400 percent FPL.. The subsidy structure of the exchanges looks like a prime catalyst for a death spiral. In no exchange will the subsidies for those 18-34 extend all the way to 400 percent FPL indeed, in most exchanges the subsidies will stop before 300 percent FPL for that age group.
The subsidies are on a sliding-scale, though, so they become less generous as your income grows. If your income is income between 100 percent of the federal poverty level ($11,490 for an individual) and 400 percent ($45,960), you can get some help paying for premiums.he exchanges will also help people find out if they are eligible for federal subsidies to help cover the cost of coverage or if they are eligible for Medicaid, the federal-state health insurance program for the poor.