This is complete BS. A gift to insurance companies. In NJ premiums for a high deductible plan are between $900 and $1000 per month. With the ACA that can be brought down to around 300 depending on income. A $4000 annual subsidy will mean a monthly premium of between $500 and $700 per month with no more limits on deductibles or annual out of pocket amounts no ban on annual or lifetime payment maximums and no restrictions on higher premiums for women, elderly or sick and disabled people. The insurance companies will make a fortune while people die.