You can review at healthcare.gov your subsidy possibilities that may lower your premium.
You can also visit Kaiser Foundation to estimate your possible premium subsidy.
Income is based on Modified Adjusted Gross Income. It is TOTAL household income, even if your spouse is not applying for insurance.
Also this Federal Poverty Level chart. Some will qualify for MEDICAID.
“Tom Russell & Associates, Inc” are independent health and life insurance brokers, and we’re NOT licensed to offer tax advice. See your tax professional for tax advice.