The issue is that you’re looking at Obamacare as a logically-designed, well-intentioned program to “fix” the problems with healthcare coverage. As opposed to a program cynically designed to achieve a political outcome.
The subsidies exist to hook states and poor people on “free” coverage. YOU aren’t the intended beneficiary of that - it’s poor people who have never had health coverage at all. Who were given it (for “free”!) and are now threatened with having it taken away. And will vote based on that.
YOU just happen to be a poor sap who gets to pay for others’ coverage. And those folks will now start voting to make you continue paying for it.
Yeah, I pay 5k and have to pay another 6,500.00 deductible before insurance pays me back anything.
My family has separate policies because a family plan would have a 13k deductible before anything pays.
Between the three of us I pay $9000 a year in after tax money for not so great insurance.
Then they wonder why housing markets are collapsing; plus the new Obamacare tax of 4% on the sale of a house.
Dare die in California and your family may only see half what you saved in life, the rest going to government and losers.