Those picking a bronze plan, which carry the lowest monthly rates, may have to spend $5,000 or more before the insurance kicks in. The next highest level of coverage, the silver tier, can carry $2,000 deductibles. And once they hit their deductibles, policy holders still have to pay for doctor visits, lab tests and medication.

“All we ever heard about Obamacare is that it would lower our deductibles and premiums,” said Jennifer Slafter, 40 of Mabel, Minn. “That’s just not what’s happened.”

Slafter and her husband, Steve, are scrambling to find affordable care for themselves and their two children. The exchange’s Blue Cross Blue Shield plan was $1,087 a month with a $6,000 deductible, while a Medica plan was $877 a month with a $12,700 deductible. Both are steeper than their current plan.

“Everything got higher,” said Slafter, who is still waiting to hear whether they qualify for a premium subsidy. But even if they do, she said she’d still find it very tough to meet the deductibles.