I guess that insurers are free to design their own benefit packages as long as the required (including immoral) benefits are included. Then the customer picks the insurer and the package (as has been done all along) and finally the metal level. This is in addition to completing the paperwork/online forms for the subsidy. This is going to be quite complicated for the consumer and I can see even a pretty high-info person like myself making a selection mistake and having to live with it for at least a year.
is there any way to opt out of this?