When I researched it last year for BlueCross, the policies from the exchange were exactly the same as those bought right from BCBS...after purchase, one can not be distinguished from the other.
This isn't true in my area of Texas where when looking up doctors on my current insurer. AETNA, they tell you who does not take the AETNA exchange plans.
I am trying to stick it out w*rking full time til 63.5 (5 months!), go on COBRA for 18 months and hop onto Medicare.
And no, I wouldn't manipulate my income to qualify for an ACA subside.
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