Sorry, there is a 15% default rate in the first 6 months for 2016.   or an annualized rate of 30%.   whats not included is the 90 day payment default rate.   This means you can sign onto a policy, the state bills you, and you have 90 days to cancel; but in the meantime you have coverage.   it's so bad, hospital systems now try to buy a policy if you have a chronic disease so they will have coverage and can bill an insurer... (which is not how insurance works)..   Here is the extract and citation for WA exchange (it's the best run current in the nation).... "Then in June 2016, Washington Health Plan finder released a detailed report and press release summarizing the details..   The Exchange reported that 169,182 people had effectuated their coverage (i.e., paid the premium).  This is about 85% (15% default rate) of the signups.   That about similar to what is seen across the nation."  https://www.healthinsurance.org/washington-state-health-insurance-exchange/