Originally Posted by brewmenn
Not entirely true. Just because they have these exchanges set up does not mean you have to use them. You can still go out and talk with insurance agents on your own. You will not get any government subsidy doing that, but as long as the policy meets the requirement you will not have to pay the fine.
That is assuming that the insurance company is still writing individual policies. They may tell you to just use the exchange.
yes, I did leave off getting your own insurance, the fine would be for not carrying insurance that meets certain min. reqirements