So no, you're not paying $60k a year unless you have a shockingly high AGI.
You need to look into federal subsidies. You can get them either through the relevant (federal|state) marketplace or as refunds on your federal tax bill.
The subsidies reduced my wife & I (late 50's, New Mexico) premiums by more than 50%.
Wondering why I'm just now hearing of this -- can you recall any focused search terms, or web links?
That's why the websites ask you your income levels.
It also affects your max out of pocket expenses for the year (total limit of deductibles and copays before insurance has to cover it all)
This is false.
They are computed from a given state's 2nd-most expensive silver plan, but they apply to all plans. I am on a gold plan and receive them; last year I was on bronze and received them.
The subsidies have no impact on deductibles or OOP - that is determined by the insurance plan itself.
The Republicans are generally opposed to these, and they are not permanent.
I would note that I am also opposed to them in principle - I do not like a system that allows insurance companies to continue to overcharge and under-provide by limiting what consumers actually pay (the rest being paid by the government). However, in 2023, this seems to be the best the USA can come up with.