Buckeye
Thinks s/he gets paid by the post
Plans outside the exchange will not be medically underwritten (as far as we know under current rules), but if they are not metal plans you would still be subject to the penalty. Pretty stupid to make people with HSA plans pay a penalty and restrict the availability of them to people under age 30 or with insurance cost over 9.5% of income (both of which are least likely to buy an HSA plan in the first place). That's just my opinion, but I'm sure many here will agree with that.
Humana would not answer the question, "What is the actuarial value of my policy?" Can they really not know this information yet?