Question: Someone buying insurance earns $200,000 a year. Will the cost be less to buy coverage outside the exchange rather than inside the exchange? If buying out side the exchange would reduce costs and all else being equal there would no attraction for people with higher incomes to use the exchange.
Answer: The cost for unsubsidized individuals will be the same whether in the exchange or not. There is no financial incentive one way or the other in this scenario.