Keep in mind that if you use the exchange to enroll yourself, that insurance brokers will not be getting a commission. There might be an incentive for spreading fear, uncertainty and doubt.
Be sure to consider companies that do not require the services of an agent. That sales rep has to get paid, and it comes out of your premium.
For LTCi if the company goes out of business, I am out of luck. My premiums are gone.
I’m not concerned about the 2 year mental health limitation.
I doubt whether insurance companies will cancel existing policies, although, like car insurance, they can cancel them any time they like