You do have options outside of the government health sites. The health law requires you to have a compliant plan, or pay the shared responsibility payment and purchase a plan of your choosing. Your Obamacare plan is packed with mandatory coverage that increase your premium and deductible so you are basically paying the shared responsibility payment either way. Why not buy a plan that you choose? Give me a call and let’s do the math and see if a plan outside of the ACA would be a better fit for your family or business.