If you have this insurance with a low income job, you can rock it out all year long and get the subsidy if SINGLE. When you marry even for the last month the insurance is held you have to pay back the total premium paid for you of 5 or 6 thousand dollars when taxes are filed. If you file by yourself you don't qualify unless joint. Well joint puts you well over there brackett of money either way your out 5 grand at the end the yr. Even if your subsidy is zero that you pay to them all yr long or you don't need and use any of there insured money for the year.