Maybe you live in a Republican state that refused the full federal dollars buy-in from the ACA, then.

When I was unemployed last year, I was on Medicaid. I had similar worries - what if I make just a bit too much money that I’m slightly above the poverty threshold? So I ran a couple of scenarios on the healthcare.gov site. When I checked it, yes not great deductible, but the premium cost was incredibly manageable to hypothetical me.

That being said, healthcare and insurance in this country absolutely needs to be overhauled. A Medicare-for-All option would be a start to let government complete with insurance companies.