Ouch, that’s pretty harsh. Family of 3 or 4 is $1149/month with $12,800 out of pocket. Medicaid carries until an income of $32,500. At $32,500, out of pocket is limited to $4500 (a lot if you make $32K) and you’re premium estimate is $81/month.

At $47,100, out of pocket jumps to $10,400, premium running $247/month. At just before $59K you jump to $12,800 and your premium is still only $395/month.

Next cutoff is $94,200. At $94,201, your prior tax credit goes from $403/month to $0. Which corresponds to 400% of poverty level.