Question about new insurance marketplace in New Jersey for 2021 (medical, plan, doctor)

[fotostat]

This question is about the new Get Covered marketplace in New Jersey, I am hoping someone familiar with this and also accounting can help me understand something.

For 2020 I used the federal marketplace to pay for medical insurance for myself because I am a contractor. Since I had a really bad year I received a subsidy in 2020. The Gold plan with BCBS was about $700, but after the $335 subsidy I only had to pay $365 for the premium.

So now 2021 is coming and New Jersey has their own marketplace. A rep from BCBS called me to help for the new plan, and they were very good like the prior years.

She told me that the Silver plan would be better. Not only would my monthly premium be only $92, but the co-pays and deductibles would be lower with the Silver plan due to NJ also subsidizing those costs. I went over all the little details, and sure enough, it was true.

In prior years the subsidy was based off of what I told them I would make that year. So I would get a subsidy of $335 per month, and after the year was over my accountant did his math based off of my actual income that year to adjust it. Maybe that $335 was too much, maybe it was not enough. Pretty easy for him to figure out.

So here is my question: I told them that I plan to make $20K in 2021, that is what the subsidies are based off of. But what if things go good and I make $60K? I understand that I would have to pay the subsidy for each monthly premium back. But what about the subsidy for the co-pays and deductible? How can that possibly be accounted for? Is my accountant going to have to go thru each document for every doctor's visit and medical treatment, etc?

It would be great if someone in NJ with this accounting knowledge could help me understand this. Thank you.