There’s another level of subsidies called cost sharing reductions which bring the deductible/out-of-pocket expenses down as your income is reduced.

At 150% FPL the Silver plan deductible falls from about $7,000 to $250, and your maximum annual out-of-pocket expenses falls from $7,300 to $550.

At some point you hit full-on Medicaid which is, depending on the state, truly excellent insurance and totally free.