Case 3: You and your family do not have an insurance plan AND do not qualify through an employer.
Case 3b: You earn above 88k for a family of four.
Outcome option one: You get insurance, no subsidies. Can switch anytime.
Outcome option two: You do not get a plan. You pay the 1% income "tax" penalty AND RETAIN THE PRIVILEGE of jumping into the healthcare system anytime. You cannot be denied.