For me to afford insurance I need to use all of the subsidy. The plans I can afford have high deductibles and its not even worth me paying my premiums. I might as well just pay out of pocket. Insurance on these plans are a joke. Also since I have to use the subsidy I end up paying a lot of it back at tax time. I also work 2 jobs to afford my bills and last year I had to limit my hours worked so I didn't go over the poverty line. Way to penalize a hard and willing to work person.