She isn't paying $370 out of pocket though. She could be paying $0 out of pocket using the advanced payments to pay for her premium. And tax credits can make it so you are owed money by the government - it doesn't matter if she pays $370/mo in taxes or not.

As other posters have said, bronze doesn't buy you much - but I can't understand why she can't afford it if it is $0 out of pocket.

Well maybe you should fly out there and explain to exhausted mickey-d's worker how she could magically get free health insurance. Seriously; it would be an epic good deed assuming you're actually right.

I know people who have been in this position: just because you read something on a website doesn't make it necessarily true.

Why would I need to fly out there? Open enrollment is happening right now, and I just plugged her stats into the form on healthcare.gov. It literally took me less than 90 seconds.