As October looms ahead (only 3 mos and counting) many insurance carriers are on the sideline waiting to ‘get in the game’.
Many carriers have already stated they won’t participate in the exchanges – and it is their right to not participate.
It actually costs more to for a carrier to be a part of the exchange for one AND when it comes to the subsidy it is basically like this:
You get a subsidy as an individual/family (if you qualify) and the carrier foots the bill and the feds reimburse on the back end. Question is as to how long they have to wait to get reimbursed by the feds. I would be suspect on joining the program too.
Oh, by the way, the exchange is the only place you can get a subsidy toward your premiums.