Somebody managed to get through the exchange and sign up. Then he was made aware:
What? You mean a guy with $5200/month income before taxes can't afford ~$1700.00/month in medical expenses?
Well, then, give him an ObozoPhone to make up the difference!!
Look. It's simple. Since many people can't afford health insurance, you force them to buy it at about double the rate that they can't afford.
Volume keeps prices low, ya'know.