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I think something is wrong, but I'm not sure, and I need someone who understands the ACA better than I to give me some advice.  

My wife (kossack yellowfroggyattack) and I returned to the States after six years in Japan on March 27th.  We just got connected to the internet yesterday- just in time to beat the ACA enrollment deadline!  Well, I called in because the website traffic was so heavy, and I enrolled... and got shafted, I think.  

Below the squiggly we go...

yellowfroggyattack and I are planning to start a business, so our income calculations have been hard to figure.  While I was waiting on the phone to get signed up, I used healtcare.gov's calculator to figure out our subsidy level and pick out a plan.  I entered Michigan, county of Oakland, 2 adults, our ages, and for estimated income I put down $25K.  It showed me a bunch of plans and said that we likely qualified for a tax subsidy of $383.  Yippee!  I chose a decent silver plan that would thus cost us $25 a month.  After a long hold, I spoke to the helper on the phone and she helped me choose a dental plan for $43 a month.  She signed us up, gave me the numbers of the insurance companies, and told me I'd be paying $451 a month.  Wait, what?

She said that since Michigan didn't expand medicaid, we didn't qualify for subsidies.  Wait, I thought there was some sort of federal subsidy?  No, she said.  Well, then why did the healthcare.gov calculator tell me I'd get $383 per month?  Well, that's inaccurate, she said.  Around and around we went.  

Is she right?  Is there really no federal subsidy available?  Do I really have to pay full price for these plans?  Who screwed up here, if anyone?  Are my wife and I really going to have to pay $5400 a year for basic health insurance when our income might well be next to nothing?  

What is going on here?  Any help, advice, etc. would be greatly appreciated.

Update- Please note that I am not some sort of Redstate troll or anything.  I still recognize the benefits of the ACA- like the fact that my wife won't be kicked off because of her preexisting condition, etc.  I'm just completely confused about the fact that the prices are sky-high and there's nothing to be done about it.  

Tue Apr 01, 2014 at 4:24 AM PT: UPDATE II - First off, thank you very much to everyone who commented on my diary.  Thanks to you and calling back and waiting patiently on hold, I was able to figure it out.  Here's what happened:  When I initially completed my application over the phone, I was asked for income data.  I asked if I should give my estimated income or only income that I knew about for sure.  The latter, she said.  So I counted some investments and rental income but nothing else, which gave me a yearly income of $7K per year... well below the line for receiving tax credits.  Since Michigan hadn't expanded medicare yet, this meant that I had fallen in the gap, but the person who helped me couldn't articulate this well.  So I called back again and started over fresh (old application thrown out, new one begun) and this time I gave them my anticipated income which qualified me for a tax credit.  Still deciding what exactly I should do based on all of your good advice, but the point is I will indeed be able to get good and affordable coverage via the ACA.  Thank you all again!

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