If there is a six thousand dollar deductible, does that mean I pay all of that no matter how many doctor visits before insurance kicks in?
How am I expected to afford six thousand dollars in deductibles if they have already determined I can only afford 135.00 a month at my income?
High deductible plans mainly protect you in emergencies (ensuring you won't ever owe more than the maximum). You can lower your MAGI and increase your cost assistance by maxing out an HSA or taking other deductions. You can always adjust the amount of money you projected to earn this year. You can also switch to a Silver plan during open enrollment if you didn't' choose one.