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.
We make exactly $450 too much for subsidies.
BTW, the subsidies aren’t manufactured out of thin air. They’re taxpayer funded.
Ie, theft.
Theft is no way to fund medical care.