Is This What the HealthCare dot Gov Insurance Costs? $458 a Month?

My wife recently had her US immigrant visa approved. I went to sign her up at the healthcare dot gov site and I was very unpleasantly surprised at the cost of health insurance for her. After submitting the application, it said she was eligible for 108 different plans. The cheapest plan was $458 a month.

She is 47 years old, unemployed, does not smoke, and checked the option for "occasional doctor visits" and minimal prescription drugs.

I am currently unemployed. My income is a combination of Social Security and Unemployment Insurance (which ends in another 4 months). I am on Medicare.

We live in Texas.

Does that seem correct? $458 a month is the cheapest option?

Also, I'm a bit confused about this whole tax credit thing. We can apply tax credits of up to $580 per month against the monthly premium, but if my income changes (e.g. I find a job later in the year) I would need to pay some or all of that back? That could be equally deadly. Where could I look to find out more about that?

Thanks

submitted by /u/SpikeHK
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