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Health Exchanges

Health Reform: Health Exchanges

health insurance

HEALTH EXCHANGES OPEN NOV. 15

The second year open enrollment period for private insurance plans offered through state and federal marketplaces runs for three months, Nov. 15 to Feb. 15, 2015. Both state-run and Federally-Facilitated Marketplaces have changed web designs and use simpler forms, but have a bigger challenge - serving both brand new applicants and some of the more than 7-million enrollees who want to comparison shop or calculate their premium subsidy for 2015.  NCSL's report has the 50-state history and next year's plans.

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DATABASE | LAWS

  • 2014 ACA Database Expands: NCSL has updated latest state legislative actions related to health reforms. The online database now provides one-click access to 1,194 bills and resolutions. Sort by state or topics, including Exchanges, Medicaid, Insurance Reforms, Funding or Opt-outs. So far, as of Nov. 18, at least 235 measures have been signed into law or adopted.
  • Federal Law full text - read or print the Affordable Care Act  [PDF, 902 pp.]
 

OVERVIEW

Exchanges are, for most states, new entities that will function as a marketplace for buyers of health insurance, giving them options & prices for health coverage. The Affordable Care Act requires health insurance exchanges to be established and working in every state. The ACA gives states the option to establish one or more state or regional exchange(s), or partner with the federal government to run certain functions of the exchange. If a state chooses not to create an exchange, the federal government will set up the exchange(s) in the state.  Seventeen states are running their exchanges, seven have partnered with the federal government and the others have deferred to the federal government to run them. These decisions can be changed by states in 2014 or beyond.

NEWS: April 2014 was a "clean up and catch up" time for enrollment for many individual market exchanges; small business (SHOP) exchanges contiue to offer policies through 2014, including incentives up to 35-50% for certain businesses with up to 25 FTE employees offering first-time coverage.   [NCSL Online report updated 8/10/2014]

 
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  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for November 2014 information on state actions and responses to implement exchanges as outlined in the Affordable Care Act. This material includes links to implementation activities, with 2015 deadlines and enrollment figures by state. It also includes state information about insurers and premiums.

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