That Kaiser calculator is great. I get the sense that this would have all worked so much better if the law had been structured such that HHS approved plans, ins

That Kaiser calculator is great. I get the sense that this would have all worked so much better if the law had been structured such that HHS approved plans, insurers sold those plans on their own sites (or through private clearinghouses), while the IRS provided a quick calculator like this and a longer process to get a certification of your last year's income you could present to an insurer to get a subsidized rate.