I think there must be some mistake. The author seems to have no idea of how the subsidy amounts are rolled back as a participant's income grows. You can use s

I think there must be some mistake. The author seems to have no idea of how the subsidy amounts are rolled back as a participant's income grows. You can use something like the Kaiser calculator to do a quick check: http://kff.org/interactive/subsidy-calculator/ http://kff.org/interactive/subsidy-calculator/ In Kaiser calculator I put a family of 4 in Concord, NH (zip 03303), making $100k a year, adults 40 and 42, 2 kids under 20, and get annual premium of $10,522. With income of $90k/year they get a subsidy of $1,972, or 19% of the premium. With income of $80k/year they get a subsidy of $2,922, or 28% of the premium. With income of $70k/year they get a subsidy of $3,928, or 37% of the premium. With income of $60k/year they get a subsidy of $5,609, or 53% of the premium. And so on. You get a larger subsidy the closer you are to poverty level.