Off-ramps to cheaper insurance?
That's exactly what many people need. People don't realize how much they need a cheaper policy, because the taxpayer is soaked for their expensive one-size-fits-none coverage that the Unaffordable Care Act requires us to buy. The fact that you, Berg, do not pay the premiums does not mean that they are "cheap" under Obamacare.
Basically, I pay much more than I did before the Obama-era for health insurance that covers me if I suddenly decide I'm a woman trapped in a man's body, or if my wife gets pregnant again, even though we both got "fixed" after our fifth one. I also have to pay for mental health and substance abuse treatments when I have never needed and will never need such services.
Eliminating those coverages might make the policy seem low-quality to Berg, but they would be fine for me. As usual, socialism is so good it has to be mandatory.
Because I don't just pay for my own absurdly unneeded mandated coverages and my wife's. No, I have to pay for Berg80's so he can "work" as a paid DNC shill on the internet, or a video game beta tester, or a "fact-checker," or part-time Doordash driver, and have his insurance subsidized by my work as a teacher, television engineer, UPS'er, and soldier, all jobs I have had that provided employer offered health insurance. I got my first job at 15, and started paying taxes. I got my first job that offered health coverage at nineteen, and I've been earning my coverage ever since.
I work for my healthcare and for Berg's, while Berg contributes nothing and probably gets the "earned income tax credit" at the end of the year. So I can see why Berg would think that is a wonderful idea.
ACA premiums are not cheaper. The are so expensive that they are paid for by two parties: The policy holder and the taxpayer.