Of course you have benefits if you're enrolled. That's the whole purpose. As for the percentage that can pay the deductible, that should be close to 100% since there's a means test. If you don't make enough to qualify for an ACA plan, then you should qualify for Medicaid. Yes, premiums have gone up, but so has the advanced premium tax credit. Basically, the APTC is a tax credit the ACA policy holder receives before the premium is due, which largely offsets the premium. Only about 12% of ACA plan holders do not receive the tax credit. Sure, you can find the odd policy holder that's not as well off, but that's the exception. The best approach is to fix the problems, not get rid of a program that's benefitting the vast majority.