While Millions of people shopped on the exchange during the Affordable Care Act open enrollment some where shopping elsewhere. Some people did not qualify for a subsidy and knew they did not have to shop through an exchange or Healthcare.gov.
On there own or through the assistance of a health insurance broker millions of people looked for plan options through private insurance companies not participating in the exchanges. It did not save them any money shopping this way. However it gave them many more plan options and they could choose from a wider variety of benefit options such as lower deductibles.
If you do not qualify for a subsidy keep this in mind for next year when open enrollment arrives on November 15th and runs until February 15 2015.
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