Even if they don't meet their deductible, they still have to pay their share of the premium and foot the bill for the subsidy until getting part of it back the next year. They will also have to pay out of pocket up to the deductible.
They may not be any worse off if they don't buy insurance, but they sure as hell aren't any better off are they ???
How many millions of families will be in this situation ??? This bill relies on almost 100% participation to control costs. Instead there will be millions of families like the one in my example, plus millions of young people that choose to pay the penalty rather than buy insurance. Costs for insurance will skyrocket.
This bill is a "charlie foxtrot" waiting to happen.