It sucks to be stuck with a shitty ObamaCare "insurance" plan. It will save you from bankruptcy, perhaps, in the case of a catastrophic injury or illness, but the deductible is so high that most people end up paying the enormous ObamaCare tax and for their health care expenses out of pocket.
http://www.wsj.com/articles/lammed-by-obamacare-1457395478
$lammed by ObamaCare
Our annual health-care cost risk was $274 x 12, plus $1,000 in deductibles for a total of $4,288. My individual risk (that is, my personal share, excluding my dependents) was $1,072. By 2009, those figures had jumped to $10,716 in annual premiums for our family of four, plus $2,000 in deductibles—a threefold increase in health-care cost risk.
Since ObamaCare became law, the increase has been more than fourfold. The kids are “OTP”—off the payroll; just my wife and me now. In December 2014, I shopped on the Internet (not so quaint) for new health insurance. I bought a Bronze plan for two people that cost $1,037 a month and had a $12,600 family deductible ($6,300 each). We were blessed last year; we didn’t have perfect health but never filed a claim.
So I was shocked when my 2016 renewal notice showed a 19% monthly premium increase to $1,231—with a higher deductible. All comparable Bronze plans were within dollars of each other, so I grudgingly renewed. My individual health-care cost risk for 2016? It is $1,231 x 12, plus $12,900 in deductibles, for a grand total of $27,672. My individual share is half—$13,836. Nearly
13 times more than the $1,072 of 1999.