I do not think this is true. Everyone can sign up on healthcare.gov. Employers will want you to opt into the subsidized plans they offer, especially if you are a lower compensated employee, in order to pass their non discrimination testing requirements, but they have to make the portion they are paying for high enough to make it enticing enough, they cannot force you.

> The subsidies should just be given directly to the person who needs healthcare. There is no need to involve a third party. It just complicates the situation for no gain.

Absolutely. The whole employer tax benefit situation should be abolished, and all individuals dumped on healthcare.gov. Same with retirement benefits. Employers should not receive any beneficial tax treatment for providing benefits, and it would make compensation much more transparent and easier for employees to compare from one employer to another.