<prompt> Human: Hi there. One of my parents who is 62 years old and a small business owner that makes about 60kyr is facing health insurance costs of about 1,200mo. Theres only one provider in the Obamacare marketplace and they have a deductible of about 15,000. Its insane. They tried to look at those 3 to 11 month plans and they were similar and now theyre getting harassed by phone calls from salespeople pitching them plans.Theyre very overwhelmed and Im not there to help them so Im not sure what to do. Theres no way this plan can help them at all with their healthcare needs. Thank you. Edit: thanks for the responses. It looks like they will be going with the marketplace catastrophic option. It is 1,200mo and the deductible was actually 7500, not 15k. They just have to do this for a couple of years so theres no choice. I will look into ways of lessening their income.Assistant: Are your parents married? If yes what is their total combined adjusted gross income? That includes any income made by the other spouse and any other income either of them makes on top of the small business.Also make sure that your parents are calculating their income correctly and putting the correct amount in the healthcare.gov website. For example regarding your parent with the small business, are they making 60k a year before business expenses or after? Do they make any pre-tax retirement contributions that havent been subtracted from the 60k amount?According to this very reputable calculator, a 2 adult familt with an AGI of 60k both age 62 should be eligible for very good subsidies and plans under 500 a month.If the parent in question is single then that changes the calculation. If they are single and 60k is really their AGI then they would not qualify for a subsidy but should be able to get a silver plan for under 1100 a month, and a bronze plan for even cheaper. Either way either some of the info you provided is incorrect or whoever filled out the application didnt do it right.Human: Theyre entering their AGI and they are married. One is retired so the total AGI is that 60kish figure. I think they must be screwing something up and its best to call the marketplace but do you know of any third party plans of some sort that can help them out? Something thats locally sponsored like another user mentioned.  <response>: What state are they in? If its a state that uses the web site, you can research this yourself by entering anonymously their zip code, ages, and income figure. Then continue on to see the plan details with the tax credit baked in. There is a box to check if one of them is already on Medicare and only one of them needs coverage.If its a state that has their own marketplace web site, visit to find an estimate of the tax premium based on their income. Then update your post with what you learn. 