[downandout]

They may find themselves with a bigger market than one would think. Correct or not, the general perception of the exchange-based plans is that they are nothing more than extremely limited HMO's (having looked at the plans, this actually seems to be the reality, at least in Nevada). That negative perception, combined with the fines for not having insurance, along with the end of underwriting, will probably lead to a significant spike in people looking to buy private health insurance away from the exchanges. Another large group of people that will refuse to participate in the exchanges will be those that are ideologically opposed to the idea of Obamacare, and those that have grown distrustful of the government's use of data in the wake of the NSA scandal.