I am in the same boat as you. I am the founder of a small startup. My business income is highly variable. Most months I am below the medicaid cutoff, others abo

I am in the same boat as you. I am the founder of a small startup. My business income is highly variable. Most months I am below the medicaid cutoff, others above. Signing up through the exchanges under this scenario sounded like a nightmare where if my income goes up, I have to change from one plan (medicaid) to another (private plan) and possibly back again if my income drops. Instead of that nightmare, I opted to skip the exchanges entirely and sign up direct with a private plan. This disqualifies me for any subsidy, but as a person in his early 30s, my plan is only about $300/mo which I consider very affordable for the level of coverage I am getting. On a separate note, I am very thankful that ACA exists, because I have a pre-existing condition with very costly needs. Being able to have any insurance at all, without discrimination and at a reasonable price, is a godsend. I hope they can create some more sane options for entrepreneurs, but even if they don't, I am very grateful that the ACA exists.