Around 70% of my 107 apps done so far have been OFF exchange.
But beware, even OFF apps systems aren't full proof.
About 10 of my Humana apps that were finished, are hung up in "pending" status.
That may be true, but it's much easier to get resolved than issues with on-exchange apps (assuming the hold times aren't forever). Virtually every problem I had last year with Humana on off-exchange apps, they corrected it without much problem.
By the way, where is Cat? She was Johnny-on-the-spot just before OEP. Now nobody from HS is anywhere to be seen. I sent them an email last Thursday and have yet to get a response. Maybe they're busy handling in house enrollments and giving the finger to everybody else. I feel sorry for anyone who signed up with them as their FMO. Or maybe they are taking care of those agents.