About 80% of people who told McKinsey they couldnt afford coverage are eligible for subsidies. About 65% of those people didnt know the subsidies were available, or didnt know how much they could get, the survey found. Tooling around the map shows the potential impact of the subsidies on premiums for insurance shoppers earning below 400% of the federal poverty level, or $45,960 for a single person. A 55-year-old in Worth County, Ga., the most expensive county for insurance, would have to pay $804 a month for the cheapest mid-level, or silver, plan available there before subsidies. For higher-earning customers not eligible for subsidies, that price may be steeper than their coverage before the health law. But, a person of that age earning $45,960 would get a $478-per-month subsidy, bringing the price down to $326 a month. At $20,000 a year, that person could get a $755-per-month subsidy, bringing the direct price to about $60 a month. The law uses a formula that calculates subsidies based on the difference between a set percentage of a consumers income and the cost of the second-cheapest silver plan available.