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Health Insurance Exchanges Coming

March 19, 2012
Plain English Version

President Obama signing the Health Care Act

An important part of the Obama health care law will be soon be put into effect. It is the health insurance exchange program.

The secretary of health and human services said the exchanges would provide one-stop shopping, allowing Americans to compare the prices and benefits of health plans. Insurers will compete for business and the competition will drive down costs.

The states will certify health insurance plans. A Web site will compare costs and benefits. The exchange will show who is eligible for federal subsidies.

States such as California, Connecticut and Washington and Oregon are enthusiastic about the program. Florida, Texas and New Hampshire have said they would resist the law.

Migrants who do not have legal status are not eligible for the program. They may be able to get health insurance directly from private insurers.

The New  York Times


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