Here's a junk Bronze HMO with 50% coinsurance and $5,500 per person deductible in Albany at over $16,000/yr: https://nystateofhealth.ny.gov/individual/searchAn

Here's a junk Bronze HMO with 50% coinsurance and $5,500 per person deductible in Albany at over $16,000/yr: https://nystateofhealth.ny.gov/individual/searchAnonymousPlan/plan/38594?county=Albany&coverageTier=COUPLE_AND_ONE_DEPENDENT&entityType=INDIVIDUAL&planYear=2017&youPay= https://nystateofhealth.ny.gov/individual/searchAnonymousPla... I am sticking to the major carriers as I'm skeptical of the networks these small no-name providers have. But even if I browse all carriers, the cheapest platinum plan is $20,000/year: https://nystateofhealth.ny.gov/individual/searchAnonymousPlan/plan/43003?county=Albany&coverageTier=COUPLE_AND_ONE_DEPENDENT&entityType=INDIVIDUAL&planYear=2017&youPay= https://nystateofhealth.ny.gov/individual/searchAnonymousPla... Subsidies - let's say you pull $70,000 your first year. Your subsidies will be $4,000 per year, so the platinum plan is still $16,000/yr net. After-tax on $70k is $54,000. That means your healthcare premiums alone are 30% of your post-tax income even with the subsidy! That means only $3,150/mo remains for your rent, transportation, food, utilities, etc...