A few years ago, my daughter signed up for a stinker of an Obamacare plan. It was heavily subsidized and offered virtually no coverage. The closest doctor was something like 50 miles away, $5000 deductible before any coverage kicked in. Don’t know too many 20 somethings that spend that much.
She signed up just because the subsidized cost was lower than the fine for not getting it.
The minute she got a better job, she canceled that waste of money. Then later, she had to fight for her tax refund because they wanted to keep it to pay for her subsidy. She won that one.
Why bother with health insurance if it doesn’t cover anything. I could never understand that nonsense. I am glad your doctor won her case