I agree that bronze plans seem hardly worth the subsidy much less the full premium.
But the silver plan I'm considering has a $1,500 individual deductible / $3,000 family. Annual out-of-pocket limited to $6,350 / $12,700. Generic prescription drugs $10 copay, not subject to deductible.
Same providers as people on this company's private plans have used for years.
Doesn't really seem so dire to me.
Still many questions not being answered until you sign up...and even those are subject to change and will.
I say this because the Administration is counting on young people between 26 and 34 to sign in....though they may only have to pay $2,000 the fine is far less....so in the first year you can pretty much know they won't be signing up.
With all the huge subsidies being paid out for the low income etc. and those already sick...this beast isn't going to hold much further than a year.....those who have put off any medical care will flood through with...Allergy treatments, knees, elbows, shoulders, hips, chiropractic visits, colonoscopy,abortions, wart removal, hormone replacements, viagra pills and mental health to name a few........
There will be a immense number of procedures performed in the first year. Stuff people have lived with for years, but can now get paid for.....so you can bet 'all premiums will rise' substantially after the first year..and they can and will do just that.