Affordable Insurance Exchanges

Beginning in 2014, individuals and small businesses will be able to purchase private health insurance through competitive marketplaces called Affordable Insurance Exchanges, or ‘‘Exchanges.’’

It is the intention for Exchanges to offer Americans competition, choice, and clout. Insurance companies will hopefully compete for business on a level playing field, which in theory should drive down costs. Consumers should have a choice of health plans to fit their needs, and Exchanges are designed to give individuals and small businesses the same purchasing clout as big businesses. Last March, the Federal Government issued its final rule on the implementation of health insurance exchanges.  For more information, the rules can be found at  77 FED. REG. 18310 .

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