This doesn’t help if you have pre-existing debts. Also, there are no Platinum plans where I live (western WA), some counties, especially rural, low-density are

This doesn’t help if you have pre-existing debts. Also, there are no Platinum plans where I live (western WA), some counties, especially rural, low-density areas, sometimes only have one plan provider for individuals for people who don’t qualify for Medicaid - and they aren’t obligated to provide even a Gold-level plan. We need universal coverage, now.