I agree with your comments, but would add that people should NOT be dropping their employer group health insurance at this time, due to we do not want to encourages employers to drop their plans. If there was a tidal wave of people opting out of participation, the employers would be more encouraged to drop their plans. In spite of the woes of 0bamacare, etc., it is prudent for people to keep their employer group coverage as long as possible.
I concur.