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@avlcharlie @Jennifer That's not supposed to be legal under ACA. I know insurance companies are utter scum and happy to break the law, but it might be worth checking if the subsidy is not being calculated right. Things are probably worst tho if you're living somewhere where low-six-figure income can still be "poor" due to cost of living.
@dalias @avlcharlie the ACA destroyed my career. What I meant was for most people like me it's pointless to try to find an affordable plan and we should just get a job that provides affordable insurance. I had to close my small biz and return to the corporate world solely for affordable insurance. Yes the cheapest (but still expensive) and shittiest option that cover nothing until you hit a $9000 deductible is only a set percentage of your income, but to get a plan that actually pays for anything is wildly unaffordable and the prices just get worse the older you are. And the new administration will probably get rid of subsidies so nobody will be able to afford it.
@Jennifer @avlcharlie The plans with lower deductibles are just scams. The difference in premium cost is several times the big deductible. (IOW they're just exorbitant loans for the deductible.)
The only winning move is to take the plan with high deductible and either budget to spend it (if you have that kind of money) or plan not to pay your big medical bills (and spread them out enough between providers that it's not worth their time trying to sue you).
@Jennifer @avlcharlie My rule of thumb: pay PCP and specialists really working for you & your health. Don't pay hospitals or anesthesiologists or any overpriced diagnostic labs etc.