Pros and Cons
Great for pre-existing conditions or if you are able to get the subsidy based on income. If you are self-employed, it is based on projected income. If the subsidy is incorrect, you could potentially pay back large sums of money to the government.
Many employers offer these plans to their employees as a benefit, but the pricing is extremely high and the networks can be very limited. There is also an open enrollment period where you are able to make changes or start a new plan.