On the ACA website, a couple making $60k can get health ins for $280 per month,?

The exchange policies can cost more than a non-exchange policy. However, there's no guarantee that come tax time that couple won't get charged the $420 x 12 BACK. The subsidy is RETROACTIVE for the past year, they're giving it to you in advance . . . and they'll take it away, if you make $60,001.

BTW, a couple with no children, probably won't qualify for a subsidy at that income level.

Yes. If it is $700 before the tax credit subsidy, and the person only pays $280, then the tax credit/subsidy is $420.

The reason it is more expensive is that it is insurance for someone who isn't making a lot of money. There is a very strong correlation between income and health. The more money a person has, the less they need to use their insurance. The less money that a person has, the more that they need to use their insurance.

By setting up a program that is based on income, so that it is only for those who are not rich, we make it very expensive per person. It would be cheaper to provide the insurance for everyone, but this is politically impossible.

When someone buys it outright, it's cheaper, because buying it outright means that the person has enough money to be able to buy it outright, and is unlikely to use it a lot.

Buying it with a subsidy/tax credit means a person's income is low enough to qualify for the subsidy/tax credit, which means the person is likely to use the insurance more.

A) Someone with that income wouldn't have that large of a credit. (credit for 2 people ends at $62,000, so the credit - guessing - is probably less than $100/month)

B) The premium that the insurance company receives is the same with or without a credit. So, yes taxpayers pick up the credit.

do not know where u live, better do more research.

as a health care plan b4 ACA for 2 people

would not b available for 280 monthly.

even if u had a 5000$ deductible.