I know that, but the docs can tell which plan is subsidized, and know that their reimbursement is going to be less with more paperwork.
That is 100% not true, other than stuff like medi-cal, which docs will actively avoid.
I have a plan I bought directly from an insurance company in california. There is zero difference if I had bought it from coveredCA. The only reason I bought directly is I didn't want to participate or help coveredCA numbers. But the end result is literally the exact same plans. And I was getting no subsidy either way, but even if you do, you still end up with the same insurance plan, the same insurance card, from the same private insurance company.