[jeremymcanally]

That's a seriously narrow definition of "incentive." It's only an incentive if the amount they're offering you is more than the difference in income, which you and I both know it isn't.

And I have no clue what state you live in or your age obviously, but in Florida, which (previously) had some of the highest health care costs in the country, a family Bronze plan is only like $4k a year. I could get a Platinum plan with $0 deductible for about 30% than the price you're quoting. So, let's not act like those are normative numbers.

[300bps]

Incentive has a very specific meaning, and you don't understand what it means. If I offer you $1 to prance around like a monkey, then I've offered you an incentive to prance around like a monkey. It doesn't matter if you could make $2 slithering around like a snake. I've still given you an incentive to change your behavior, and many people will prefer the offer I am giving and thereby change their behavior.

And beyond that, you have no idea what you're talking about. I just put in my exact family situation into healthcare.gov for Broward County in FL and it is $987 per month with a $12,000 deductible for every Bronze plan. I'm guessing you're entering a ridiculously low income and taking the subsidies into account. Or you're looking at the catastrophic plans and thinking it's bronze, which it's not.

This will be my last response; you are an incredibly naive person and it is not my job to educate you.