How many people at >400% of poverty don't receive subsidized insurance through their jobs? I make less than that and I get my insurance through my employer.
It would be a salary just over $60,000 for a single-person household, and higher for any more people than that, so I doubt it's very common. Still, though, a plumber in business for himself who makes $61,500 a year may have to spend well over 9% of his income to buy insurance on the Exchange, especially if he's older.
This. The trades and professions have plenty of highish earners who are self-employed/belong to small firms.