After much searching I found the solution.
I love that I can play my music all over the house while my family is gone and we can all listen to our own music in our own spaces or wherever we are in the house.
** Warning little rant first **
I must say WOW, what a bunch of unhelpful "Answers". The problem really is with poor documentation for Alexa and Household Profiles. I understand Alexa is not a Pandora product but as others have said if they can't listen to their music... they will just switch to Amazon music. These were people paying for a family account. That's just money lost to Pandora. And don't think it is just the few making comments on the forums. Most people will not find this thread and give up while some will read this and just give up. A pretty compelling reason to find the answer for your users.
On that note, why in the world would an Pandora community account be required to read these forums? That stopped me from coming here for about a month. Totally needed for someone to leave a comment but to read... makes no sense.
* end rant *
Answer:
Credit where credit is due... I found the answer in a Time.com article from 2017: time dot com/4668359/amazon-echo-alexa-multiple-accounts/
It and many other articles that talk about setting up the household talk about doing it in the Alexa app on your phone but it can't be done there anymore. It has to be done on the primary Amazon account from a web browser, link later in instructions.
The key thing that most articles and the posts in this thread miss is switching Amazon accounts/profiles on the echo devices. I finally found that in the cited article. "Alexa, switch to <account user's first name> account[or profile]".
Here are the steps in sequence so people don't have to do lots of reading to put it together.
1) The account the echo's should be connected to should be the account that is or will be set up with household profiles, AKA the one that you are paying for prime on. FYI: Prime benefits are shared to the other accounts in the household profiles.
2) Set up household profiles: www amazon com/myh/households. Really cool other benefits it tells you on that page! Free shipping, prime videos, ... on each person's Amazon account. Note the limits on number of adults and children and the privileges for them.
3) Sign into the Alexa app on a phone with the primary account user/pw.
4) Install the Pandora skill and link it to that person's Pandora account.
5) On another phone (or log out of Alexa app then start it up again) log into another Amazon user's account (I used to be able to just ask Alexa to switch accounts).
6) Go to the skills and now set up Pandora to connect to that user's Pandora account.
7) Repeat #4 , #5, and #6 for other members of the household.
😎 Each user can train Alexa to recognise their voice, then they can say "Alexa switch to my account".
9) When you want to listen to your own station's, the echo you talk to needs to have your account active. You can ask "Alexa, identify account" and she will say who she thinks you are by your voice then who's account is active. Or you can just say "Alexa, switch to my account". Of course if you know the echo is on your account there is no need to do either of those.
10 Finally, now Pandora will play the music linked with the active Amazon user on that echo device you are speaking to.
You can tell it to play on other devices or groups and it doesn't matter what Amazon account they are on.
Don't worry, switching accounts while music is playing does not change what or where music plays.
