Is that true though? Maybe a small percentage of the very poor. But, even the highly subsidized still have the worthless high deductible plans, don’t they? Many of those people never had insurance because they didn’t think it a priority. I highly doubt they go now and pay cash until the deductible is met.
The highly subsidized have a couple of options. They can go with a Bronze plan and pay next to nothing on Premiums. They still have to pay the high deductibles. Healthy people may take the risk and opt for the Bronze. The silver plan costs a bit more in premiums, but has lower copays and lower deductibles. It just depends on where their income fall on the 138% - 250% federal poverty level scale..