What a bunch of horse-hocky. First, the subsidies are tax credits, which means if you are in the lowest plans because your income is so low you can only afford

What a bunch of horse-hocky. First, the subsidies are tax credits, which means if you are in the lowest plans because your income is so low you can only afford the lowest plan, you still have a $2K deductible, have to pay about 1/6 of your income for insurance, and even though you will have no money taken out of your paycheck due to the future credits, the IRS holds it against you when you try to claim ETC on your 1040. No wonder people just say fu*k it; I'll just pay the penalty.