I've just come from healthcare.gov and I am confused and extremely suspicious, all at the same time. Can anyone add some insight?

Well, I was finally able to access the site. At first, it seemed pretty much what I would expect. Basic questions, basic answers. Then came a disclaimer that they will access my tax returns and my credit report(s) to process it. Then began the questions about whether I had insurance through my current employer. When I answered “No”, the system wanted to know my employer’s name, address and EIN for crying out loud. Next it wanted me to agree that they would access my tax returns for the next five years and if I declined, it would affect my rebate for healthcare. Once I finally got to the area where I could review my possible plans based on my rebate ($140.00/month), the possibilities were so confusing! I know, $140.00/month sounds like a good bit, but my plan options were like $400.00/month AFTER REBATE for a decent plan. The cheapest ones basically gave me a $6,500.00 deductible, which after being met, would mean that I could go for a doctor’s visit for free and get my prescriptions for free. Seriously? If I had the $6,500.00 for the deductible, I would’ve been able to afford private insurance all this time! I’m confused and frustrated and terribly sorry I ran on like this. Your experiences please??