Well, heh, heh....I wouldn't go that far Cap, but I see what you are saying....Now, the scenario I am talking about goes something like this....
person A. has a full time, say $11.00 per hour job, with a young wife, and a new born child...He was getting a standard 80/20 BC/BS plan with a $1K per person deductible. His company informs him that they will no longer be offering insurance to any employees other than management due to costs. He then looks on the exchange for his state/area, and there is a plan that comes close, but the premium that was around $50 per week out of his check tax free, is now $150 per week, and a deductible that was $1K per person, is now $14K for the family...He will be subsidized, but only at the end of the year through a tax credit, leaving him with the entire cost up front until then. Hopefully, it will be like what Samhain said, and just paid directly on his behalf by the government, and bringing that premium down, but we don't know yet.
1. Where in the hell, is he supposed to come up with an extra $400. per month?
2. How is he paying less?
3. Why shouldn't his choice be to for the moment to take the penalty, and pay out of pocket for the baby's visits...?