Angie Koury Lieb, a Jacksonville insurance broker, helped McClanahan's clients get into those plans, which in Florida are sold on the federally run Obamacare exchange HealthCare.gov.
Lieb said that some clients initially "were pretty disgusted about the subsidies and how it all works" when Obamacare first began taking effect.
"I think a lot of it was very politically motivated, that they didn't necessarily agree with the Affordable Care Act itself," she said.
"Then they said, 'Well, shoot, I'm going to try to qualify myself,'" Lieb said. "I think they were more, 'If I can't beat them, join them.'"
Lieb said that when she helped McClanahan's clients sign up on HealthCare.gov and pick their plans, "they were usually pretty pleased and excited" when they saw how much subsidies they would be getting to lower their premiums.
On the lower end of the prices, one client qualified for a $423-per-month subsidy, which reduced the price of their plan from $663 per month down to $240 per month, she said. On the high end, another client qualified for a $737 subsidy, reducing their premium from $1,172 per month to $435.
And "with the cost-sharing reduction, I think people were extremely happy," Lieb said. "It reminds people of what health insurance looked like 25 years ago, when they had a $10 copay and no deductible."
Lieb and McClanahan both noted the fact that their clients, due to their financial position, came under scrutiny from the government when they applied for their subsidies. To obtain those subsidies, customers have to indicate how much income they expect to earn in the coming year.
Every client, McClanahan said, was flagged for review of their subsidy eligibility when they applied because tax forms revealed they previously had high incomes.
"We had to provide a lot of supporting documentation," McClanahan said.
Clients also must be conscientious about reporting income changes during the course of the year. If people end up earning more than they had estimated when they applied for their subsidies, they could end up owing some or all of the subsidy back when they file their tax returns the following year.