The article states that 3/4 of those who enrolled on Marketplace were already insured and paying for their coverage.
Does that match the experience of agents here? 3/4 of those you enrolled on Marketplace were already covered, paying full price and looking to receive a tax credit if possible?
100% of the people I enroll through the Marketplace receive a subsidy and take the FULL subsidy at time of application. There is no reason to go through the Marketplace unless they receive a subsidy or enroll using an SEP.