like i said it has something to do with income and age and maybe my state im not sure.. but i now the only difference i can find from other friends and family using the exchange is their income is between 20 and 38k and they are under 50 too.. get over 55 you might as well not bother your paying 475 lol my poor neighbor is getting hammered.. we did tweak his income got it down to 390 he was taking too much income out of his 401k every year. but its a shame you have to regulate your retirement income and live poorer to get cheaper insurance...