<prompt> Human: My sister had to leave her job in June due to the pile-up of health conditions she has developed during the past few years. She was a housekeeper and she developed severe plantar faciitis that required surgery, but now she cant get the surgery because she had a stroke and was diagnosed with a rare disorder called MoyaMoya that will more than likely require delicate brain surgery next year. In addition, she has severe learning disabilities that exclude her from just about every desk job. She doesnt read well and has no math abilities, so she cant even cashier. She has applied for SSDI, but that may take years for approval. Anyway, she earned just enough this year to qualify for ACA subsidies, but next year, she wont have any income, so no subsidy. In addition, she lives in Florida, so she cant get Medicaid because she is a single adult with no dependents. Due to her conditions, it would be crazy to have NO insurance, so it looks like Ill have to pay her premiums out of pocket, which will likely be 600. I only make 56K per year, so thats going to be a lot of money for me. I guess my question is, are there any programs or alternatives or for her that we dont know about? I cant find anything, except, Sucks to be you... I mean, I get thats probably the case, but I just thought Id ask?Assistant: If you estimate your income to be juuust above the poverty line, youll get the full subsidy. At the end of the year, youll owe nothing because there is no penalty for accidentally overestimating your income. Human: Oh wow, the lady at Blue Cross said wed have to pay it all back if we overestimated! She made us send in pay stubs just to check our accuracy when we did the initial application last June.  <response>: I would make sure. My wife does is certified and does insurance registration for the health department and she said the same thing. If you overestimate to where you get a subsidy and you wouldnt have got it otherwise you have to pay it back. 