@blueveinedthrobber,
When I signed up, I was estimating the amount I would make for this year, but I don't think I'll come near that. In that event, it'll be a credit on my taxes.
I do wonder if your credit doesn't cover what you should get back, you can roll the credit over to next year. I changed my tax withholding forms to something like 6 exemptions, so for the pay I do get, there won't be any withholding.
I got the silver plan next year, but since I mostly just take advantage of the well woman services, which are free, and I have a couple of scripts, I may just take t he bronze next year. If I end up in the hospital, I'll run through the deductible that **** through a goose anyway, so what the hell.