Your link can not be found.
As I understand it “The Exchange” was designed to give uninsured folks a way to quickly compare companies and rates, kind of like Travelocity or something.
I have never used the exchange because Rick got insurance, BCBS, through his job.
BCBS still has to comply with the ACA because the ACA are the laws governing all health insurance companies whether you sign up through the “exchange,” have the money sign up with any insurance company you want because money is no obsticle, or get it through your employer or what. They ALL have to comply with the ACA laws.
The penalty is for those who can afford insurance but don’t get it. Has nothing to do with “The exchange.”