When was the last time your employer offered you 132 different insurance plans during open enrollment?
Never?
If you live in a large urban area, chances are you have over 100 insurance plans to evaluate on the ACA Market Place. There are lots of places that are offering less than 20 plans. That's still a lot more choice than people get from the average large employer during open enrollment, which usually gives 3-4 choices maximum and an offer of dental and vision supplemental plans. I have friends working for small employers who have a choice of take it or leave it. Some with 2 choices.