It’s for two people over 50 with no aid from the gov’t for the premium (which means we’re in good shape financially). The “Affordable” in the ACA is not for everyone.
You may want to look at your options on the ACA marketplace again. The recent stimulus bill included significantly more subsidies for ACA plans and enrollment is reopened for the next few months.
I'm 38 and also have a $7k+ deductible (my plan is HDHP), costs me $275/mo.