The “low premiums” are relative to other states, but are still an increase over what has been paid in the past, and with higher deductibles and co-payments.
My sister had to have a much higher deductible at a cost of over $1,200.00 per year more, and now pays $7,200.00 for insurance which will almost never pay unless she is seriously ill. She will never be able to afford the deductibles.
I think we are going to see many more bankruptcies in the near future.
My cousin in Ca is more or less in the same boat. She can receive subsidies that bring her premium down to $1 per month but the $5k deductible and copays are totally unaffordable for her. So she will have insurance that she never uses and the ins co will get paid by us (subsidies) for a policy they will never pay out on.
She goes to a free clinic now.