Flop

I check
UTG1 bets 20k
HJ calls for less 16k
UTG1 exposes
I played this bad I think but curious what yall do
So it's 20k to call in a pot of 114K and you can play perfectly against the only guy left that has chips.
So folding is never an option. The question becomes to does hero want to play for stacks knowing he has to fade the nut flush draw with two to come.
If hero shoves what I think is about 122k here, villain will have to call off 102k to win 236k. Hes is probably calling with the nut flush draw all day here. The only way he wouldn't is maybe if hero shows a set or maybe AA. Villain would probably not put hero on AA or QQ so sets are a small part of hero's range as played.
So I really think call flop is probably the smart play here.
The turn is tricky. Villain assumes he has at least 11 outs and maybe as many as 14 out of 46 unseen cards. So he probably needs pot odds of 3-1 when it reality is would be 2.5-1 if hero were to shove. So hero might decide that shove is worthwhile to deny equity here.
Lower variance route is to check, though. The spot is close. (And as hero, I would check planning to call if villain decided to get cute and bet this spot.)
If hero catches a bad turn (heart or ace) then just fold, and let villain bust out two players and hero keeps 102k.
And villain exposed his hand through no fault of hero's. He probably just forgot after realizing two players are already all in. So I think there is no problem with taking this line. Hero may be making a call where he might otherwise fold given either all in player could have a queen.
So I think the way to take advantage of the exposure is to have a low variance showdown, personally. But consider that shove on a safe turn. I don't like a flop shove though, personally.