if you're applying for an individual policy you shouldn't be seeing deductibles in the range of $10 000. the law limits out-of-pocket spending to $6 350 per year. families can't spend more than $12 700. still you're correct in saying that many of us -- especially those who do not qualify for a subsidy -- may find insurance costs high. the law will make insurance very affordable for some people less so for others. generally however the benefits will be richer than plans you can buy on the private market today. if you don't qualify for a subsidy because your income is too high i recommend you work with a licensed insurance agent and compare plans that are sold both through your state's marketplace and off the marketplace. you'll have wider choices and an agent will be able to help you find the most affordable plan that's best suited to your needs.
i'm finding that the health insurance plans being offered at present are anything but affordable. . deductibles are in excess of $10 000 and monthly premiums are in excess of $400. are there any affordable plans anywhere?