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Exchanges

Beginning in 2014, individuals and small businesses will be able to purchase private health insurance through state-based competitive marketplaces, known as Affordable Health Insurance Exchanges (Exchanges).  According to the Department of Health and Human Services (HHS), the Exchanges will allow for direct comparisons of private health insurance options on the basis of price, quality and other factors and will coordinate eligibility for premium tax credits and other affordability programs.  All Exchanges will launch open enrollment in October 2013 with coverage becoming effective as early as Jan. 1, 2014.  In addition to ACA’s Exchanges, private health insurance exchanges are emerging to provide another way for employers to provide health insurance coverage for employees.