I&#x27;m not actually sure what the criteria for subsidies are; I made too much to qualify last year, I hope to get back to work soon and make too much to qualify this year.  I don&#x27;t know how &quot;annual income&quot; shakes out in this situation.<p>Either way I had a $2500 out of pocket max on my old plan that I usually met in January.  $6k a year in premiums + $2500 out of pocket + some out of network costs is a relatively palatable deal.