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hello everybody joe davin with healthcare solutions team wanted to touch on something thats somewhat contentious and surely that everybody that doesnt do health insurance and actually a lot of people that do work in health insurance daily dont understand that is the aca or obamacare subsidies and then were going to expand on how theyve changed going forward into open enrollment for next years plans 2022. um those that are low income are going to be quite happy because subsidies are going up and im going to explain all that and i know my handwriting is garbage but uh just try to follow along its going to make a ton of sense as we go through here so were going to start by how subsidies are determined okay the way the government determines whether or not you qualify for subsidy is based on income and household size and when i say income the number that the government is looking for is this cute little acronym called magi modified adjusted gross income so on your form 1040 on you