The deductible is part of the problem. Also, health care is very cheap when they know you are paying out of pocket.
Btw, I’m 62, so the bronze plan is so expensive that I don’t have to pay the “fair share” penalty. :-)
Cheap for them of course.
Insurers would never have agreed to Obamacare if it wasn’t made expensive and a captive market.
Its not free market health insurance no matter what any one tells you.