O-BAMAcare was sold to the dimokrap world as a way to insure the "uninsured". With that excuse, it is reasonable to assume that first time purchasers are not going to go for the Platinum (extra expensive policies); therefore, the Bronze policy terms are stated most often. Wonder how many of these o-BAMA insured can afford the $10,545 deductible before they get any coverage.....few, if any.....this just shows how the bait and switch dimokrap program works. Goof, I do have a clear understanding of how insurance really works. I would love to see the honest number of "insured" that have actually paid for o-BAMACare policies...not the millions whose health policies were cancelled for non-conformity who have been counted, but the real ones.... BTW, I was self-employed and paid all of my pre-Medicare premiums....to answer your question above.