Health Insurance Exchanges

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The Patient Protection and Affordable Care Act stipulates that all states must have a health insurance exchange in place by 2014 or the residents of that state will have the option to enroll through a federal health insurance exchange. A health insurance exchange aims to provide competitive prices and transparency to those who are currently unable to afford health care coverage and for some businesses. It is seen as a step towards universal health coverage. [1] A predecessor of the health insurance exchange as outlined but the PPACA is the exchange in Massachusetts, which is entitled the Connector. Connector provides information on name brand health insurance options as well as information on Commonwealth Care, the no or low cost health care plan for those with low income who do not qualify for MassHealth benefits. [2] Since the passage of PPACA some other states have organized health insurance exchanges for their residents including, California, Utah and West Virginia. [3][4] Many are in the process of developing their health insurance exchange programs as well. This is not to say that each health insurance exchange is developed equally. The Utah health insurance exchange is a collection of websites that a consumer can visit to obtain quotes for health insurance, where as the Connector provides comparison quotes that a consumer can review at the same time. The Kaiser Family Foundation produced a comprehensive brief on the health insurance exchange, which listed and explain 5 function of the health insurance exchange. The 5 functions of a health insurance exchange as described by the Kaiser Family Foundation included: Offering potential members with a multitude of health plan options that focus on competitive pricing B... ... middle of paper ... ...ts 27.21 (2010): 7-9. Business Source Complete. EBSCO. Web. 17 Apr. 2011. 4. Williams, Walt. "W.Va. to Launch Health Insurance Exchange." State Journal 10 June 2010: n. pag. Web. 17 Apr 2011. . 5. United States. Health Insurance Reform Reality Check. Washington DC: , Web. 17 Apr 2011. . 6. Blumberg, Linda, and Karen Pollitz. "Health Insurance Exchanges: Organizating Health Insurance Marketplaces to Promote Health Reform Goals." Timely Analysis of Immediate Health Policy Issues. The Robert Wood Johnson Foundation, Apr 2009. Web. 17 Apr 2011. . 7. Pickert, Kate. "Behind the Heath Insurance Exchanges." Time 12 Aug 2009: Web. 17 Apr 2011. .

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