I just pulled up my records on this policy. At the time of cancellation, the premiums were $422.87. This figure was, of course, after the ‘financial help’ that was calculated. Without that help, the premium would have been $1137.87 each month. I purposely took no 401k and limited my IRA withdrawals during the year, plus neither of us had started drawing Social Security, so our combined income was not that great during that year. Our income was, I believe, about $50k.
The deductible was $3500, and the maximum per person out-of-pocket was $3500. All of this was in-network. There was no coverage for out-of-network. Each doctor visit had a co-pay, and once the deductible was met, there was a 20% billing until the max was met. So we could have been $7k out-of-pocket on in-network charges. The policy had a prescription plan with a $1k deductible, and did not cover dental, eye care, or a number of other services, including elective abortion.
I will admit that I was pleasantly surprised to find this plan via the Exchange. Does this answer your questions?
Here is a list of what counts as income towards your MAGI. All the things you list count as income.
I think you’re limited to $7000 a year in IRA contributions. 401k may be 19k. I think HSA funds also reduce your MAGI, so if your wife gets an exchange plan with an HSA, dump money into that. For people over 50 you can put $4500 a year into a HSA.
So between those 3, you are potentially able to reduce your MAGI by 30k a year.
Be very careful in determining MAGI. It is used by the US government in several different ways, with different incomes allowed or disallowed, so be sure to use the one appropriate to your context. E.g., the ACA one if you’re talking about healthcare subsidies.