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Health Insurance Exchanges Explained
Posted at 10 a.m. on Jan. 29
The Associated Press has an excellent explainer on how the state-based health care exchanges will work once they are fully operational.
“Middle-class people will be able to pick from a range of private insurance plans, and most people will be eligible for help from the government to pay their premiums. Low-income people will be steered to safety-net programs for which they might qualify.”
“The coverage will be more comprehensive than what’s now typically available in the individual health insurance market, dominated by bare-bones plans. It will be more like what an established, successful small business offers its employees… Because the benefits will be similar, the biggest difference among plans will be something called ‘actuarial value.’ A new term for consumers, it’s the share of expected health care costs that the plan will cover.”
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