Help picking marketplace health insurance

I'm turning 26 in June and I'm getting kicked off my parents insurance and I have no idea what to do. I am a full time student so I don't work enough at my job to get insurance through them and I don't take enough credit hours to get insurance through my school.

I've been looking at the marketplace and there are a lot of insurances that take my primary doctors and cover expensive medicines I'm on so I'm hopeful about that. And because I make about $20,000 a year, it is saying many of the monthly premiums are $0.

1) Is having an insurance with a $0 monthly premium too good to be true type thing? Am I going to have to pay more back on my taxes?

2) What is a good deductible and what is too high?

3) What will happen if my income goes up? Do I owe them money later on?

4) It is saying "including a $368 tax credit," what does this mean?

I would also love any other advice anyone has! My parents have only had insurance through their work so they aren't fully sure how the process would be different.

submitted by /u/stormixor
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