I would suggest to all I know who are thinking about signing up for this to wait a couple years, even under the threat of penalty. I think there is a very good chance it will implode, as others are saying.
I would rather pay the penalty then put all my personal info out there unsecured. The cost of that would be endless to me if my identity were stolen, and I think there will be a lot of that.
I don’t think the “navigators” are any more trustworthy than the TSA, or NSA
I’m going to Christian Healthsharing Ministry route.
It’s exempt from penalty and far cheaper than any exchange deal.
First $300 is out of pocket per incident - covered after that.