I'm not actually sure what the criteria for subsidies are; I made too much to qualify last year, I hope to get back to work soon and make too much to qualify this year. I don't know how "annual income" shakes out in this situation.

Either way I had a $2500 out of pocket max on my old plan that I usually met in January. $6k a year in premiums + $2500 out of pocket + some out of network costs is a relatively palatable deal.