OP, My wife and I are out of this market (aka over 65) but I thought there were other options then the "exchanges". As stated previously, there are some included options that old people do not need, so private insurance with just the coverages you need might be less costly. As I stated before, SHINE may be able to help, that would be followed by a Google search on private insurance options, do you have an option of COBRA coverage, we had that for the 18 months after I retired, and before I hit 65. Finally, as suggested before (I think), contact a local health insurance firm, and see if there are other options that have not been mentioned so far.
Good luck, hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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