So yes, they CAN offer a plan on the Exchange with a more limited network (and, presumably, lower rates negotiated with the docs, which decreases the number of docs willing to be in the network). I have no problem with that, but I do believe that insurers shouldn't be allowed to change their networks OR their prescription formularies after Open Enrollment. That's just plain bait-and-switch. It's also an under-the-table rate increase since you're getting less coverage than what was offered when you signed up.