I understand that even those with subsidized premiums still are subject to the deductibles. Is that true?
People eligible for bronze exchange plans only get their premiums subsidized. People between 138% and 250% FPL can get additional cost sharing subsidies in addition to premium subsidies. This lowers co-pays and deductibles. However, they have to buy the silver plan which has higher premiums.
It is in California. My premiums have a subsidy but in 2017 the premiums will increase by 24%, the subsidy will decrease and my deductible will be $6,500 ... and that's for the cheapest plan.
I am dropping out in 2017 because you can qualify for a financial hardship if the premiums are 8.3% of your income. In 2017, they will be 11.5% of my income.