They may have free or low cost premiums but they have a $6K deductible. Or am I wrong?
True story: An unemployed Obama worshiper friend was all ga-ga when she landed some cheap insurance via the Obamacare website. Cost around $80 a month, thanks to subsidies.
But then she sustained an injury to her leg, and the doctor ordered physical therapy. After the therapy was completed, she received a bill. $1,200. Seems she didn't realize her insurance came with a deductible.
Of course, being an Obama worshiper, she blamed those evil, rich, greedy insurance companies.
If a person or household falls between 138% - 250% they get additional cost sharing subsidies that lower copays and deductibles. They have to buy the correct silver plan on an exchange in order to get it. If they buy the wrong plan like a bronze plan, they don't get the additional cost sharing.