The more you make, the more you pay, but you can only shop on the exchange if the premiums on your job are more than 10% of your monthly income, If your employer doesn't offer insurance or if you are self employed . I am happy , because my son can stay on my insurance until he is 26, because he is going to medical school once he graduates. I am glad that pre existing conditions don't matter anymore, because my husband and I have one and I am ecstatic that there are no longer any maximum amount limitations.