I don't understand the subsidies at all. In 2015, ACA gave people waivers (no penalty!) if the minimum insurance was more than 8.05% of household income. The

I don't understand the subsidies at all. In 2015, ACA gave people waivers (no penalty!) if the minimum insurance was more than 8.05% of household income. The minimum plan for a family in NYC on the NY Healthcare Exchange is $12,500/year. Self-employed families making less than $147,000 and more than $60,000 (I think that's where subsidies cut off) are overlooked and left without a safety net.