The federal and state governments are spending millions in advertising the insurance exchanges in Maryland. What they are not saying is that the only people who need go to the exchanges for insurance are those that need subsidies. People can go directly to an insurance company or agent and receive insurance quotes of the same type, same premium and in some cases, look at coverage not available through the exchanges, all with no medical questions and available with no preexisting condition restrictions.
If many people who do not need subsidies went directly to the companies or agents, maybe the online systems would not be overloaded and would work more efficiently ("Obamacare's web test," Oct. 21).
Neal Cohen, ReisterstownCopyright © 2015, The Baltimore Sun