I did it for 2017. I feel like I didn’t have great advice from other people when I did. I will likely make too much money and wind up owing money. I knew I would be cutting it close though, I knew it was a risk. If you will be well under the income limits I think it’s very worth it for you to go through the marketplace. I didn’t use my last year salary, as it was more than double what I knew I would make this year. I used an honest estimate of what I thought I would earn in 2017. I had a BCBS rep help me in the end, and she knew lots of information, I didn’t just do it myself online. What I wonder now is if I could have gotten a cheaper policy if I had at the outset assumed I’d make too much money this year. I’ll hopefully figure that out next week for 2018. I dont blame the BCBS rep, I went in thinking the marketplace and subsidy was going to be my best option, I wish I had had a broader discussion with her.