Those insurance plans on the Obamacare market networks which have least expensive premiums also have the highest deductibles, often several thousand
dollars. So, people who chose the cheaper plans because they cannot afford high premiums often cannot afford to meet the high deductible, either. As
a result, such people are inclined to go without doctor visits or medical tests or procedures. So, they pay to get health insurance (as Obamacare
requires them to do), but can't afford to get health care--the worst of both worlds.
On the plus side, their insurance does kick in after the deductible, such as if they have a health catastrophe--an expensive illness (which includes
any with a long hospital stay).