Not sure what you’re saying.
This is what happens with any plan:
1. You pay the full cost of any covered medical charge until the personal or family deductible is reached, except for deductible-exempt charges that might have coinsurance or a copay. For example, some of the plans with a $25 flat copay for an office visit right from the beginning, or free procedures.
2. Once the deductible is reached, you pay the coinsurance part — 30% etc., until the Max OOP is reached.
You get federal subsidies if you select a silver plan AND are subsidy-eligible.
It would be stupid to pay out of pocket costs in a bronze plan when its not necessary.
Like I said, the cheapest option isn’t always the most appropriate one.