Subsidy Cliff – Is Obamacare a Disincentive to Earn More? …and yes it is. I’ll post some examples of the subsidy cliff here in Colorado over the weekend. Note, it will only get worse with the proposed rate increases. Those who actually receive a subsidy are partially protected, those who don’t receive the full force of the rate increases and the best they can do is change providers and most likely doctors. You do remember… you can keep your doctor, right? Also, on much of the Western slope, the only provider will be Anthem BCBS.