If you're morally opposed to the mere existence of the Patient Protection and Affordable Care Act (PPACA) exchanges, you might well be right. I wish I could wave a magic wand and create an independent republic in which you could live free from government interference in health insurance. That might be a very nice republic. This article is probably not for you.
If you think that, for good or for ill, the PPACA exchanges and comparable private exchanges will never really open, you could be right. This article is probably not for you.