Absolutely. Even though the subsidies have been extremely beneficial for my wife and I, I seriously question whether or not the policy of handling excessive med

Absolutely. Even though the subsidies have been extremely beneficial for my wife and I, I seriously question whether or not the policy of handling excessive medical costs by paying private insurance companies money to make their insurance premiums affordable to everyone makes much (if any) sense. If medical costs are indeed so high that our insurer needs $X from us each month to make health insurance viable, how does it help anything to make sure they get $X pretty much no matter what? Do feel free to ask if you have any other questions about this. I do my own taxes, and have had to do a deep dive into the rules/forms for this stuff for several years now.