[Paul R.]

Well, now I’m confused. Many people in states with exchanges still “simply” purchased insurance directly from the insurance companies, and then applied for the subsidy via healthcare.gov. What happens to those people?

[steve86]

Many people in states with exchanges still “simply” purchased insurance directly from the insurance companies, and then applied for the subsidy via healthcare.gov.

Don't see how that would work. Healthcare.gov just sends you to your state exchange if one exists. The necessary links to the private policy wouldn't exist anyway.