One of my biggest criticisms of ACA is the calculators are based on income only as opposed to your family's individual healthcare needs. Some kids go to the doctor every other week for asthma and allergies, others don't need to visit. Ditto for adults....it's supposed to help people with preexisting conditions while punishing healthy folks relatively speaking, but the insurers have made it so complicated it's hard to figure out what's covered and not....Good luck!