Atkins and her husband received a $708 monthly tax credit, which would cover most of their premium. But they would still need to contribute $244 each month — and face a $6,000 deductible.
Atkins said she had insurance before the Affordable Care Act that was significantly more affordable, with $5 copays and no deductible at all. She said she paid only $200 or $300 each month without a subsidy.
The deductible left Atkins exasperated. “I am totally afraid to be sick,” she says. “I don’t have [that money] to pay upfront if I go to the hospital tomorrow.”