As annual open enrollment proceeds for Affordable Care Act health plans, millions of Americans have signed up for low-cost coverage. But some people, like those who earn too much to qualify for financial help under the health care law, may find the cost of a plan daunting. These people fall off the so-called subsidy cliff, the law’s cutoff for money-saving tax credits. For some middle-income earners, the cost of coverage can be a burden. The New York Times, Read More.