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It may actually be better to lower your income somehow,

ACA Subsidy Cliff May Incentivize Some To Earn Less !!!

Some Scenarios Using Actual State Exchange Data:



The introduction of ACA subsidies to help people buy insurance on the individual market creates a number of economic incentives when it comes to income. In particular is the phase-out of all subsidies for households once their income surpasses 400% of the Federal Poverty Level (FPL). Getting a raise or putting in more hours beyond the FPL threshold may actually result in less take-home income for the household.