Even though this is the lowest-cost coverage that they're going to face in their careers, it's still high relative to their incomes.

It is not like buying a car.

What we are seeing is an unraveling of the way we finance healthcare in the United States. It is coming apart at the edges, and those edges are small business and low-wage workers. The levees are breaking.

Having a catastrophic plan, even with a large deductible, may mean this individual will have access to health care that can save their life.