all exchange plans are not hmos. there are various plan types being sold though the offerings vary by state and region. you can buy a plan directly through an insurer although if you do you may not be able to take advantage of subsidies. the federal government is testing the option for people eligible for subsidies to sign up directly with insurers but my understanding is that right now that's only an option for people living in texas florida and ohio. keep in mind that when you go directly to one insurer you also miss out on the ability to compare all the plans available to you by shopping the marketplace. it's a good idea to look online at all your options first and then maybe go to the insurer you've found to offer the best option. but again make sure that if you qualify for a subsidy you'll be able to get it if you enroll this way.
my health insurance policy is being canceled effective 12/31/2013. must i buy insurance from the exchange? . or can i buy insurance through individual insurance companies (i. e. aetna or blue cross blue shield)? are all exchange policies hmos?