At a poverty line salary people should be getting truly free Medicaid. At somewhat above that, they should be getting much cheaper Marketplace policies, which really do exist www.usa.gov/health-insur... (Republicans hid them by cutting their marketing budgets)
Then if you actually have to use a low cost/free plan you are faced with $7K to $10K deductible, co-pays etc
One big problem or the hoops you have to jump through to get assistance for the high deductibles on the ACA policies. Yes you can get a free bronze plan but you have to apply for help to make any use of it. I use my one free visit to get prescriptions and that was it.