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Under my current plan insurance pays 80% of covered expenses after I meet the deductible.  There is cap in there though that once its hits they pay 100%.  I forget the exact amount, it is much higher and really basically a safety net should some major thing occur.

I called them and was told that by whoever took my call...it very well might be true maybe the exchange will be cheaper, but the exchange has never worked for me to confirm anything one way or the other -- and given the whole concept of how the system will work, I tend to doubt I will be getting a discount -- but we shall see.

Not sure.  It's hard to say fully without being able to get accurate pricing from the exchange.

I am under the impression those do still exist, but from the limited info I have seen it would be about the same or more as what I currently pay -- but that again is not based on real numbers that were given to me by the exchange, since it just crashes every time I try to access it.