Well, it's not quite that bad. Until open enrollment ends, you could always drop your off-exchange coverage and re-buy on the exchange. So up until March 31,

Well, it's not quite that bad. Until open enrollment ends, you could always drop your off-exchange coverage and re-buy on the exchange. So up until March 31, you only lose a pro-rated portion of the subsidy due to you. That's why I selected April 1 as the worst-case scenario. When open enrollment ends, the potential lost subsidy jumps from 25% to 100%. You have to wait until the next open-enrollment period to change plans. But that having been said: why should anyone give up even $1 of the subsidy due to him, because of a failure of healthcare.gov? That's why I think the subsidy should be claimable off-exchange: https://news.ycombinator.com/item?id=6702966 https://news.ycombinator.com/item?id=6702966 Problem is, the requirement to buy on-exchange to get the subsidy is written into the law. That means that it is not changing. The Republicans certainly won't want to fix any screw-ups in the implementation of Obamacare.