zookester, If you qualify for medicaid, why is your subsidy so low through the exchange? Are you in a state that does not support the ACA? When you were plugging in the numbers on the exchange site, did it indicate to you what the subsidy will be and if so did you feel it was low?

The reason I ask this is I've found sometimes it seems folks are not seeing the subsidy for some reason. The other is a state issue, where the state is not going along with the ACA. This, I believe will change because at this time it does not cost the state to participate, or as I understand it the state's contribution is minimal. Its more of a political issue with some states.

My experience paying out of pocket for my wife's care, because we lost our coverage after the company I worked for during the economic downturn went out of business, we did not qualify for COBRA because there was no company to draw from. I paid out of pocket for nearly three years that cost us well over $100,000.