Obamacare Affordable Care Act (ACA) subsidies and premiums are automated in VeriPlan’s lifetime financial planning projections
This article is provides the full text of VeriPlan’s financial planning projection features for Affordable Care Act (ACA) health insurance coverage and Obamacare Premium Tax Credit subsidies. Lifetime projections of ACA subsidies and premiums are automatically customized for each family’s financial circumstances.
Before using this Affordable Care Act (ACA) subsidies and premiums planning section, complete making your entries throughout VeriPlan. Your entries elsewhere in VeriPlan will affect your ACA health insurance cost planning for subsidies and premiums.
Note that this article was published in 2025, when automated features to analyze Affordable Care Act (ACA) subsidies and premiums were first added to VeriPlan. At least once every year, the most recent version of VeriPlan will include the most recent numbers related to Obamacare Affordable Care Act (ACA) subsidies and premiums.
In years when you do not expect to have employer health insurance coverage or to be on Medicare, you can use VeriPlan automatically to project Affordable Care Act health insurance subsidies and premiums that are affected by the income-related Obamacare Premium Tax Credit (PTC) financial help mechanism. You could use this VeriPlan section, if you are still working, and neither you nor your spouse expect to have employer health care benefits for your family for some or many years.
Also, if you expect to retire earlier than 65 and want Affordable Care Act ACA health insurance subsidies for those years before Medicare, you might find ACA coverage to be financially advantageous. For more background, read Section 2: “Early retirement health care expenses and ACA tax subsidies before Medicare” on VeriPlan’s red-tabbed Optimizations worksheet.
These sections below provide this information about VeriPlan’s Obamacare Affordable Care Act subsidies and premiums planning tool:
- Provides and overview of how the ACA is structured. In explaining Obamacare and the structure of the ACA, this section describes how qualification for PTC financial help is related both to multiples of the Federal Poverty Level (FPL) and to family size. This section also allows you to update information about the FPL for future years.
- Explains how personal cash payments for Affordable Care Act insurance premiums are limited at various levels in relationship to the family’s ACA income
- Summarizes how your family’s ACA Modified Adjusted Gross Income (MAGI) is calculated
- Explains that there are different standardized ACA insurance plans with different levels of coverage
- Explains how premiums for ACA health insurance plans can vary significantly by US state and by county
- Explains that VeriPlan allows you to use US ACA national average premium costs or to look up and use information about the insurance cost of local ACA plans available in your area
- Provides detailed “how to” instructions about how to look up cost information about ACA Silver health insurance plans available in your local area.
- Allows you to enter information about the ages of family members who would be covered by an ACA health insurance plan
- Allows you to select one or more projection years, when your family would be covered by an ACA health insurance plan. This section provides a detailed table of information relevant to your family ACA coverage decision.
If you always expect to have relatively high income prior to Medicare, the ACA might not provide a financial advantage in the form of reduced insurance premiums through the PTC subsidy mechanism. You can easily use this section to decide whether the ACA likely would ever apply to you. For example, if you expect that you will always to have employer health insurance coverage while working, and you expect to move on to Medicare at age 65, then you could ignore this section. If so, you should focus on the Medicare sections above on this Medicare+ACA worksheet. Also, make sure to include your expected annual out of pocket health care costs not covered by insurance, as part of your annual expenses on the Expenses worksheet.
Overview of Obamacare Affordable Care Act financial help subsidies via the Premium Tax Credit subsidy mechanism
In any particular year, your eligibility for Affordable Care Act (ACA) Obamacare subsidies and financial help via the Premium Tax Credit (PTC) mechanism:
- is based upon your Modified Adjusted Gross Income (MAGI) without taking into account most personal tax deductions;
- is related to household size (household = a tax filer + spouse + tax dependents); and
- is available to households that have size-related MAGI that ranges between 138% up to 400% of the Federal Poverty Level (FPL).
Families with MAGI below 138% are not eligible for the ACA, but are instead directed into the Medicaid program. Medicaid plans, eligibility, and rules can vary between US states, so you should investigate how to qualify in your state, if your projected income levels indicate that you would be directed into the Medicaid program.
Families with incomes $1 or more above 400% of the Federal Poverty Level (FPL) get no Obamacare ACA subsidies financial help. This is known as the financial cliff. If your MAGI is $1 over 400% of FPL, you will not receive perhaps thousands of dollars in Affordable Care Act PTC financial subsidies that you could have received, if your MAGI actually was just $1 less than 400% of FPL for your family size. That “perhaps-no-so-beautiful” 2025 tax act eliminated all enhanced Obamacare ACA subsidies for families with incomes above 400% of FPL. Thus your Congress graciously restored the financial cliff that had trapped so many US families in prior years. — Caveat Emptor.
The table below provides information about various multiples of the FPL in relationship to family size for the ACA. At 100% of FPL in the table below, each additional family member covered increases the total premium by the same dollar amount. Therefore, at higher multiples of FPL levels, these increases are also proportional.
Another table in the section that follows, will supply the percentage of family income that must be paid toward ACA health insurance premiums, before Affordable Care Act PTC subsidies pay the remainder of the family’s total ACA insurance premium.
Obamacare Affordable Care Act (ACA) Percentage of Federal Poverty Level Guidelines with Respect to Family Size
VeriPlan allows you can update this ACA FPL information in future years below
Note that VeriPlan will use the larger of either VeriPlan supplied FPL numbers or your updated FPL numbers above.
Affordable Care Act (ACA) subsidies and expected personal premium contribution payments as a percent of family Obamacare MAGI Income
Affordable Care Act (ACA) subsidies and expected premium contributions as a percent of MAGI income in relationship with the percentage of Federal Poverty Level Guidelines
Under the ACA, a family’s expected payment toward the total insurance premium is limited by a percentage of the family’s MAGI income. These percentages are noted in the table above. When the total annual Affordable Care Act health insurance premiums exceed these percent of income levels, then the remainder of the total insurance premium cost is paid by the US government through the Obamacare PTC subsidies mechanism. Between the FPL percentage levels listed in the table above, the personal contribution percentages increase proportionally.
Affordable Care Act PTC subsidies in the current year are based on expected total family income for the coming year. When federal tax returns for a calendar year are filed in the spring of the following year, if actual family income is lower/higher than initially expected income, then the Obamacare PTC subsidy is adjusted upward/downward. Therefore, any estimated versus actual income difference for the year will result in increased/decreased ACA PTC subsidies tax credits on your income tax return.
The ACA Premium Tax Credit is a dollar for dollar tax mechanism and not a tax deduction. If one were to have a 25% tax rate and a $1,000 tax deduction, the cash value would be $250. A $1,000 tax credit has a value of $1,000. The Affordable Care Act PTC subsidies mechanism does not require you to have another tax obligation to offset Obamacare PTC subsidies. You can file taxes to receive a refund of the net PTC, as if you had made excessive tax withholding payments on wage and salary income.
To some, Obamacare PTC subsidies might not seem as valuable as they really are, because the value is anticipated in the estimation of family income for ACA insurance coverage and tax subsidies for the coming year. If, for example, a family’s expected income would qualify them for a total $8,000 ACA premium that otherwise would have been $15,000 unsubsidized, then the ACA PTC subsidy is worth $7,000 that year. If at tax filing time, the family’s actual taxable income would equal their expected taxable income, then there would be no adjustment of their Obamacare PTC subsidies and cash payment toward premiums either upward or downward.
Calculating your family ACA Modified Adjusted Gross Income (MAGI)
Because of the income and other information that you would have entered elsewhere within VeriPlan to develop your lifetime plan, VeriPlan will already has almost everything it needs to calculate and project your ACA Modified Adjusted Gross Income over the years.
The section will avoid detailing everything that constitutes ACA Modified Adjusted Gross Income (MAGI) versus the Adjusted Gross Income (AGI) that you would find on your IRS Form 1040. You can look up these details on the irs.gov website and in IRS Publication 974.
There are certain “add back” items that are not in regular AGI from Form 1040 and must be added back to derive ACA MAGI. Only one of these might apply to some VeriPlan users on a regular basis, and that is tax-exempt interest. This would not apply to most people, unless you plan to own substantial municipal securities in taxable accounts.
Your estimate of annual $ total for your tax-exempt interest (see your Form 1040) (Default = $0)
Note: Only enter a number above it you expect to keep investing in tax-exempt securities. If you do plan to do this across the years, then VeriPlan will scale this number over time in proportion to the change in value of your aggregate projected financial asset portfolio. While quite unusual, you could include other sustained add backs in the number above, as well.
The ACA MAGI calculation also involves adding back otherwise untaxed Social Security Retirement, Disability, and Survivors benefit payments. This inclusion of all Social Security benefits in ACA MAGI will be the biggest difference from their Form 1040 AGI for most people. The reason is that for most people, some or much of their Social Security Retirement, Disability, and Survivors benefit payments are not taxed. Because VeriPlan already has the Social Security benefit information that you entered on the Retirement worksheet and VeriPlan automatically calculates and projects how much is taxable, then VeriPlan already knows the untaxed amount of Social Security and can add that back to derive ACA MAGI.
There are different standardized ACA insurance plans with different levels of coverage
This is plan description information from healthcare.gov
https://www.healthcare.gov/choose-a-plan/plans-categories/
ACA “marketplace plans are put into 4 categories (or metal levels): Bronze, Silver, Gold, and Platinum. Catastrophic plans are a 5th category available to people under 30 and some people with limited incomes. … The categories have nothing to do with the quality of care you get in a plan. Generally, the difference between categories is based on the plan’s share and your share of costs for covered services. If you qualify for extra savings (based on your income) and enroll in a Silver Plan, the plan pays more and you pay less.”
Given the structure of the ACA, VeriPlan uses ACA Silver Plans, as its US average baseline costs. Silver Plan premiums are more expensive than Bronze Plan premiums, but Silver Plans have lower out of pocket costs. Bronze Plans are less expensive in terms of insurance premium costs, but Bronze Plans can have much higher out of pocket costs.
In addition, within the ACA, Silver Plans have special income related categories that can amplify a family’s savings. If family income in a particular year would be under 400% of FPL, and the family would get Obamacare ACA subsidies financial help, then Silver Plans could be the least expensive plans overall, because they can reduce significantly the family’s exposure to “out of pocket” costs.
Affordable Care Act health insurance premiums for Obamacare insurance plans can vary significantly by US state and by county
ACA health insurance premiums can vary significantly between U.S. states and between counties with individual states. About half of US states have ACA costs that are close to the national average. In 2025, 26 US states had Silver Plans with premiums that were within 10% below or above the US Silver Plan insurance premium average.
Concerning states with much lower costs that the US national average, in 2025, there were six states with Affordable Care Act ACA Silver Plan premiums that were lower than 80% of the US Silver Plan premium average. In 2025, there were fifteen states with Silver Plan premiums that were lower than 90% of the US Silver Plan premium average.
On the higher side of the cost scale in 2025, there were two states with Silver Plan premiums that were higher than 200% of the US Silver Plan premium average. There were eight states with Affordable Care Act Silver Plan premiums that were higher than 120% of the US Silver Plan average. And in 2025, there were ten states with Silver Plan premiums that were higher than 110% of the US Silver Plan premium average.
Within individual states ACA premiums can also vary. For example, in California in 2025, a Silver Obamacare Plan in Santa Clara County (Silicon Valley) cost 40% more than a similar plan in Los Angeles County.
Use either VeriPlan’s US Affordable Care Act national average premiums or easily look up information about the premiums for Obamacare health insurance plans in your area
Regarding the premium cost of ACA health insurance plans in your area, you can look up and supply just one piece of information in the section that follows below. Then, you can choose to use your local ACA premium costs instead of the US average premium costs supplied by VeriPlan.
If you do not provide your local ACA insurance premium costs, then VeriPlan will automatically use US average information about Affordable Care Act “Silver Plan” premium costs.
The US average annual ACA Silver Plan health insurance premium cost for Age 50
In future years, you can update below the US average annual ACA Silver Plan health insurance premium cost for Age 50 here. Just follow the lookup instructions in the next section, while choosing the US average premium rather than the cost for your local area.
Note: VeriPlan will do user data entry checking. Since the US average ACA cost is likely never to decline, VeriPlan will only use your Silver premium cost “gray box” entry above, if it is greater than VeriPlan’s dollar number in the yellow box above. However, if you choose to use your local Affordable Care Act Silver premium costs below, VeriPlan will use your local Silver plan premium, if it is lower than the US national average.
Because Affordable Care Act insurance premiums have a standard per person premium structure that varies by the age of the individual insured, VeriPlan is able to develop an age-related ACA insurance premium cost index from ages 1 to 64 and above. Within that standard index, the age 50 ACA insurance premium is set at 1.0000. Within this index ages under 50 scale downward in terms of annual premium costs, and ages over 50 scale upward in terms of annual premium costs.
Because the aggregate family ACA premium cost is simply an assemblage of the individual premium costs by individual age, VeriPlan can automatically estimate total unsubsidized family insurance premiums, family contributions, and PTC financial help for families of any size, any income, and any age makeup.
Note that under the ACA, the primary adult taxpayers, in this case Earner #1 and Earner #2, would move onto Medicare at age 65. However, when a family ACA plan is in effect it is possible that the family would have tax dependents covered by the ACA insurance plan who are older than 65, but who do not qualify for Medicare. Over age 65 individual premium costs are not readily available, although these costs can be supplied by ACA insurance marketplaces through customized quotes when the situation occurs. To extend VeriPlan’s ACA premium cost index for ages 65 to 84, VeriPlan repeats the annual premium index increase for age 63 to age 64. Then, from ages 85 to 100 the premium index will equal the premium at age 84.
Instead of using US ACA premium cost averages, use this section to supply information about the cost of ACA Silver health insurance plans available in your local area.
You will need to look up just one annual ACA healthcare plan premium for your area and enter that dollar figure below. Then, you will need to choose the use your local ACA Silver premium costs instead of US average ACA Silver premium costs.
The premiums to look up for your state and county of residence are the average unsubsidized annual per person $ ACA health insurance premium cost for one adult (age 50).
NOTE THAT YOU ARE LOOKING UP THE PREMIUM COST FOR A 50 YEAR OLD ADULT. YOU ARE NOT LOOKING UP THE COST RELATED TO YOUR OWN AGE.
With that information VeriPlan will be able to compare incomes and project whether you might qualify for lower health insurance premiums via the Obamacare PTC subsidies mechanism. Because of how the Affordable Care Act is structured, with the age 50 annual premium cost information you look up and supply below, VeriPlan will be able to automatically estimate your family contribution and PTC financial help for families of any size and any income.
Where to find ACA subsidies and premiums calculators for your state and county
healthcare.gov and kff.org are two primary online sources for looking up your local ACA premium costs.
https://www.healthcare.gov/see-plans
healthcare.gov will direct you to your state’s ACA exchange website, if there is one. If your state did not set up a ACA Obamacare exchange, then healthcare.gov can supply ACA plan costs directly. At this writing in 2025, because the recently passed “beautiful” tax act of 2025 eliminated all enhanced subsidies for families with incomes above 400% of FPL, some state calculators have not yet been updated. (This problem should be only temporary.)
The Kaiser Family Foundation (KFF) supports kff.org and has kept its ACA calculators up-to-date. There are two kff.org webpages to try:
https://www.kff.org/interactive/subsidy-calculator/
and
https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/
This second FKK calculator can provide cost estimates for any state and county. Use only the output in the second column labeled “without enhanced subsidies.”
Look up Affordable Care Act premiums for one 50 year old adult in your local area
You will look up the average unsubsidized annual $ ACA Silver premium cost for one adult (age 50) for your state and county. These directions use a kff.org ACA calculator that includes the elimination of enhanced subsidies. You could instead find and use a similar calculator located through healthcare.gov
“How To” Step by Step Instructions
Go to:
Step 1: Select your state and enter your zip code
Step 2: Choose yearly household income as a “percent of poverty” and enter a number that is 401 or greater. (Do NOT select the dollar income choice.)
Note: You do NOT need to consider your actual income. Instead, you are just looking up the ACA costs in your local area for an ACA health insurance plan that would require you to pay the full cost. Above 400% of FPL a person must pay the full premium without any receiving and PTC subsidies. That is why you are using the % of FPL choice and not the “dollars” choice, and why you would use 401% of FPL or more.
Step 3: Enter “no” regarding whether either you or your spouse have employer health coverage
Step 4: Enter “1” as the number of people in the family
Step 5: Enter “1 Adult” and ONLY SELECT “Age 50” (Then, choose yes or no for your actual tobacco use.)
Note: Do NOT enter your own age. Always use Age 50 and 1 Adult. ACA health insurance premiums vary by age using a standard formula. However, if you do or do not use tobacco, answer that question correctly, because it would affect your local annual ACA premium.
<em>Also, note that the US average Silver Premium costs embedded within VeriPlan are based on an index of ages 1 through 64 for non-smoking children and adults. While one might hope that you and your dependents do not smoke, if one or more members of your family do smoke, then this could be another reason to use your local ACA Silver insurance premium costs with tobacco use — versus the US national costs without tobacco use.
Step 6: Enter “No children”
Click “Submit” and scroll down to the Results.
Look ONLY in the “without enhanced subsidies” column.
Within the “without enhanced subsidies” column results, you will be given MONTHLY and ANNUAL dollar insurance premium amounts for a Silver Plan. The annual dollar figure may not be in bold, but that is the number you want to find.
Obviously, the annual $ figure is 12 times the monthly $ figure.
For your local area, enter the unsubsidized annual $ Silver Plan health insurance premium cost for (one) 50 year old adult
Note: When you look up premium costs for your local area, the results will give you premium costs for both Silver and Bronze ACA plan. You may be tempted to choose the lower premium cost Bronze Plan in your local area instead of a Silver Plan. Please scroll up and read the section titled: “There are different ACA insurance plans with different levels of coverage.” Despite the higher premium cost of a Silver Plan, Silver Plans can be cheaper, especially when your income is lower than 400% of FPL. In contrast to Silver Plans, ACA Bronze Plans do not benefit for special Silver “out of pocket” expense limitations at lower income levels in years when medical expense are high. However, if you always expect that your income in all years will be relatively high, and you will not have employer insurance benefits and need an ACA plan, then you might instead choose lower Bronze Plan premiums and take the risk of incurring higher out of pocket expenses.
Provide information about your family for coverage by an ACA health insurance plan
Using information that you provide in this section about your current and future family members, VeriPlan can automatically project Affordable Care Act Obamacare subsidies and premiums for your family in future years, while automatically removing them if they “age out” beyond age 26 and can no longer be on their parent’s ACA insurance plan. If you list any tax dependents who are already older than age 26, then VeriPlan will assume that these family members are adult tax dependents that you plan to support for the long-term and these adults will be included in your ACA plan until your ACA plan ends when you (both) move onto Medicare.
For up to eight family members, VeriPlan can automatically project future ACA premium costs in selected years. Simply enter the current ages of your dependent family members in the gray boxes starting from oldest to youngest. Because VeriPlan already knows the ages of Earner #1 and Earner #2, you do not need to provide duplicate age information. Family members are those on your tax returns including the taxpayer, spouse, and tax dependents.
Ages of your family members for coverage by an ACA health insurance plan
Notes:
- If a child is under one year of age enter “1” as the age of that child.
- If you plan to have children in the future, you can enter those planned children after your entries for living family members. For unborn children enter “-1” (negative one) for a child planned in one year. Enter “-3” (negative one) for a child planned in three years, etc. up to a maximum of 20 years in the future.
- Children can stay on a parent’s plan up to age 26. After 26, VeriPlan will remove them and reduce the family count by one.
Maximum age for a child to remain on their parent’s ACA insurance plan
- Carrying one or more older tax dependents on an ACA family plan can be quite expensive, unless the family’s income would qualify for PTC financial help.
- For a single Earner #1, the family plan will terminate when Earner #1 becomes 65 and moves onto Medicare. If that single Earner #1 still had tax dependents, a new ACA plan might be available, but that is a special case that is not handled by VeriPlan and would require special quotes from your healthcare marketplace.
- For a married Earner #1 and Earner #2 couple, the family plan will terminate when both Earner #1 and Earner #1 have reached 65 and both have moved onto Medicare. Each Earner is counted as a family member, even if one person is on Medicare. If that both Earner #1 and Earner #2 are on Medicare, a new ACA plan might be available, but that is a special case that is not handled by VeriPlan and would require special quotes from your healthcare marketplace.
Select one or more projection years when your family would be covered by an ACA health insurance plan
In this section, you can selectively plan to be covered by an ACA health insurance plan for one or more years between age 18 through 64 for Earner #1 and Earner #2.
You would select those ACA coverage years by entering a “1” (one) the gray boxes in Column A below. You do not need to supply other information, because VeriPlan can automatically estimate all needed parameters and can derive information from information that you have entered elsewhere in VeriPlan.
Description of the columns in the ACA table below:
The first three columns, provide the projection year, the corresponding age of Earner #1, and the corresponding age of Earner #2, if there is one.
Column A: Do you plan to use ACA health insurance this projection year? (Yes = 1, No = 0) (Default = 0)
Evaluate VeriPlan’s ACA premium cost projections and PTC financial help. Then, decide if you wish to plan for ACA health insurance coverage in that particular projection year. If you enter a “1” (one), then VeriPlan will automatically include the Column H “Family annual cash premium cost for an ACA Silver Plan ($)” in your health care expenses for that projection year. If you do not choose to use an ACA healthcare insurance plan in one or more years, then the information provided on that row in the table is simply information. It will have no impact on your VeriPlan projection. When you enter a 1 for any projection year, that cell will turn green indicating that it has been activated.
Column B: Is an ACA or a Medicaid plan available to the family? (Does either Earner #1 or #2 qualify?) (Yes=1; No=0 (red) )
This column will contain a “1” up until the point that Earner #1 and Earner #2 have both reached age 65 and are presumed to move onto Medicare. Once both Earner #1 and #2 have reached Age 65, this column will contain a “0” and turn Red. Because a standard family ACA plan will no longer be available, all other columns in the table from that projection year onward will contain zeros, as well.
Column C: ACA Household Size
This number counts both Earner #1 and #2 plus any dependents indicated in Columns J through W.
Column D: Family Modified Adjusted Gross Income ($ ACA MAGI)
This is your automatically projected ACA MAGI, given your entries elsewhere in VeriPlan.
Column E: Family ACA MAGI as a multiple of family size-adjusted FPL (100%)
This indicates whether your family would potentially qualify for PTC financial help in a particular projection year. Note that if you are over 400% of FPL, there might be a few limited steps you could take to reduce Affordable Care Act MAGI to increase subsidies in particular years. Year to year income juggling can sometimes make a difference that could amount to thousands of dollars.
- Avoid receiving Social Security retirement benefits before both Earners are 65. (Change your entries on the Retirement worksheet.)
- Avoid Roth IRA or employer plan retirement contributions, whenever you have the choice of instead making traditional contribution that would reduce taxable wage or self-employment income. (Change parameter settings on the Tax Advantaged Plans worksheet.)
- Avoid Roth conversions prior to age 65, if you want to receive PTC financial help. Roth conversions tend to be more optimal after age 65. (Remove or reduce planned Roth conversions on the Roth Analysis worksheet for any year you plan to use an ACA insurance plan.)
- Avoid capital gains or plan for them to be concentrated in fewer tax years. (another year-to-year tax planning tactic)
- Anything else on Form 1040 and Schedule 1 than can be influenced tactically from year to year.
- In 2025, your Congress generously restored the 400% of FPL “cliff” to ACA planning. $1 of income over and ALL PTC dollars are lost.
Column F: Full annual family premium cost for an ACA Silver Plan without any PTC subsidy ($)
This is the full unsubsidized family Affordable Care Act annual premiums without Obamacare subsidies, given your family size and other settings.
Column G: Expected Family Premium Contribution (% of family ACA MAGI)
This is the limit of your percent of MAGI that you would pay, if your MAGI is under 400% of FPL and you qualify for Obamacare PTC financial help subsidies.
Column H: Family annual cash premium cost for an ACA Silver Plan ($)
This is your cash out of pocket cost for family ACA health insurance for the coverage year after any PTC financial help. When you put a “1” in Column A for a particular year, which indicates that you plan to use ACA health insurance, then VeriPlan will add the Column H cash out of pocket premium cost to your projection model as an expense in the following year. Because the various ACA calculations require knowing numerous financial parameters for a calendar year, then ACA cash premium costs must enter the model with a one year delay to prevent circular logic.
Column I: Value of the Premium Tax Credit subsidy ($ cost avoided)
If you qualify for Obamacare PTC subsidies financial help, this is the your cash savings in terms of reduced ACA health insurance premium costs.
Columns J through W: Per person Affordable Care Act ACA Silver premiums and the ages of dependents covered by the ACA insurance plan in each projection year.
Reminder: The information in the table below is for your decision making. You must change Column A to a “1” in one or more years for the family cash ACA insurance premium cost in Column H to be added to your projected expenses.
IMPORTANT: For repeated entries, you may use the Microsoft Excel “copy and paste” process vertically within this column. NEVER use “cut and paste” or any other procedure that would disrupt the logic of your model and may force you to recover by going back to the most recent model backup you have. This is another good time to remind you to back up your VeriPlan models frequently using DIFFERENT file names, e.g. myplan_05-24-202x_A, then B, then C, etc.
For most people only the upper rows of the table below will be useful. There are 80 rows in the table to accommodate the full age 18 to 65 age range plus a potential fifteen year age differential between Earner #1 and Earner #2.
You family’s projected annual Affordable Care Act: 1) participation, 2) household size, 3) ACA MAGI, 4) premium payment as a % of income , 5) cash premium costs, and 6) value of Obamacare subsidies
Per person ACA Silver premium costs and the ages of dependents covered by the ACA insurance plan in each projection year
