Replace subsidies with tax credits. That is really going to help those with less means

[haele]

9. The problem with tax credits is that you have to spend your money first...

So, for that $2000 tax credit, you have to come up with the $2500 - $5000 for Heath insurance the year prior.
If you can't arrange your witholdings so that the credit is reflected in how much is taken out of taxes and you might be able to get an extra $120 or so a month to help pay for that insurance, you're pretty much screwed.
But if you aren't making closer to 6 figures, you're screwed anyway, because there will not be any effective coverage available for $120 a month, so you still have to pay out of pocket 3 or 4 times that a month just to pay the premium.

This proposal basically drives the poor and lower income population (working or not) to decide whether or not to purchase a high-deductable insurance plan or keep a safe, reliable roof over their family's head.

Haele