and my subsidy was in that ballpark. They back out a bunch of passive income like dividends. The thing is a gravy train with biscuit wheels if you're upper middle class and can structure your applicable income properly. Our insurance guy walked us through it when I started the business. The articles about the 60 year old Gen X millionaires who retired early and are now crying about having to pay $3k in premiums a month like I had to back at the firm are just hilarious. I'm playing the world's smallest violin.