Thanks for the writeup. I'm in Texas, and we are not allowed any subsidy no matter the income bracket. My experience was that I received a better priced plan of

Thanks for the writeup. I'm in Texas, and we are not allowed any subsidy no matter the income bracket. My experience was that I received a better priced plan off market from an aggressive insurance planner than on market. Specifically about $80/mo less for slightly higher benefits. Young, single men can get the best rates off market. Older individuals may get a better rate on market.