Hello! I just have some questions that need answering with the way the premium tax credits work with healthcare insurance plans, and picking a plan in general. It appears I can pick a plan in some special enrollment period, presumably due to a change I had in my address and job, but I feel myself in a sort of pickle.
I really don't know the exact amount I need to make in order to continue to qualify for these tax credits through 2023 and onwards. I've just been cruising it since last year and it appears to have been a non-issue, but reading that you need to make above a certain amount has me suddenly quite on-edge of the possibility of falling below this threshold and needing to pay back money. I have a good reason for being worried being as I work retail wages on an unstable schedule, so to this I ask: what is this amount, and what will happen if I fail to make enough? And is this before or after taxes?
That and frankly, I really don't know how to even pick a plan. My current plan has honestly been really bad being as I'd need to pay THREE TIMES my savings for the plan to start paying anything. Some of these plans look very tempting, with $0 deductibles and nice out-of-pocket maximums, but are these too good to be true?
I really don't understand a thing about this and just need some help.
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