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I make over $45k, too, and believe me, I know that that's not rich!
Even though I make over that, I was glad to see I would still be eligible even though I'm single, because I live in a two-person household, so my income still falls below the cutoff of 400% above poverty level - perhaps that would be applicable for you, as well?
If you didn't get coverage through your employer, I'm assuming it would be because of one or two scenarios: You're unemployed or your employer stopped offering health insurance.
If you're unemployed, I would think your income would probably dip to the level where you would come in under the 400% cutoff -- if it dipped to $43,000, or lower, you would be eligible for a subsidy.
If your employer stopped offering insurance, and you had to get it on your own, I'm not sure what the scenario would be, but what would apply in your situation would be that you would no longer have only the option of buying catastrophic-only coverage -- insurance companies would not be able to deny you coverage. There are those that say, that's fine, but they'll charge you up the wazoo for it, however, there are price-gouging regulations in the bill; you also couldn't be dropped from your coverage and there are out-of-pocket caps across the board that would keep insurance companies from just picking a number out of a hat to charge you.
Now, I know everyone thinks the bill is a P.O.S., and given that I don't know what will come out of the Senate in its latest version, they could be right and all this stuff could have been stripped out. Pelosi has said, though, that the House is not going to just rubber stamp the Senate version, and that it will not be the final word over the House version. So, I still have hope.
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