Question: From my understanding, the carriers that are participating in the exchange have to offer the same plans outside of the exchange which are IN the exchange and nothing more. Is this correct?
Answer: Off-exchange, carriers have to offer the standard plans offered inside Covered California without modification. But they are free to offer other benefit designs off-exchange as long as they conform to ACA guidelines such as essential health benefits and actuarial values. This should allow for a little innovation. Also all HSA-qualified plans will be off-exchange.