Health Insurance and You!

Is there one Health Insurance Exchange at a national level or does every state have one?

So long as health insurance remains the province of each state and the markets in each state have different rules, regulations and laws around how health insurance is sold, it strikes us as logical that there ought to be a health insurance exchange or connector for every state.

Does the current healthcare reform bill going through congress envisage creating a single national market and removing states from the picture – I do not believe so.

Given also that the demographics of our country vary widely by state, it seems reasonable that a state such as Florida (with a large retiree population) may wish to go in a different direction as compared to one with a much younger population.

One should note that there is nothing that prevents a set of states with identical needs from banding together to create a single RFP for a single, shared connector.