"The websites are designed to work like popular do-your-own-taxes software. They ask questions about income and family size and, based on the answers, lead a person through more questions until finally offering specific insurance options and prices.
Purchasers will select individual or family coverage sold by a private insurer. The exchange will calculate each person's premium based on the insurer's rate, offset by whatever federal subsidies the buyer is eligible to receive. The subsidy payments will be made directly to the insurer, and the consumer will be billed for the difference."
It's not. If an employer offers it, great. But they don't HAVE to. People can get their own insurance, there are many plans available. All Obamacare is gonna do is put them out of business.