Estimating for ACA – Next year will be very different

I currently cover myself and my daughter who is now a senior in college. We have been fully subsidized since we started getting ACA insurance (previously had insurance through my late husband’s employer).

HOPEFULLY, she will start a full time proffesional job in June, 2024 with health insurance as a benefit. Of course, it’s certainly possible it won’t be until later in the year. And, it’s also possible she won’t get a job with her own insurance at all in 2024 ☹️. But in that case she would work full time (or close to it) making more than this year.

Point is… Estimating our income for 2024 is a wild guess.

Either way, she needs insurance with me at least into May.

Should I just give our combined 2023 income as my estimate for 2024, and let it just work itself out when I do my taxes for 2024?

Also, assuming she does get a good job starting in June… It seems we would lose all subsidy, so I will effectively have to pay full premiums for myself all year… Even though my income would qualify for around probably 75% subsidy(my income will be somewhat higher in 2024). What a mess. Any thoughts on how this will/should work?

Thank you!

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