健康保險在經濟適用法案中交換什麼？
健康保險在經濟適用法案中交換什麼？
 The health insurance marketplaces (exchanges as they were originally referred to) are a creation of the Affordable Care Act (ObamaCare) and the first exchange based plans were effective on January 1, 2014. The marketplaces are set up under either direct state supervision or are managed by the Federal government is the vast majority of states. Their purpose is to provide a web site based means for people to comparison shop between health insurance plan options, determine if they qualify for any premium subsidies and/or cost sharing reductions, and enroll in a health insurance plan. The stated objective of the health insurance marketplaces was to get more people covered under health insurance, enhance competition and to lower health insurance costs while improving overall coverage levels. While we have seen some reduction in the numbers of uninsured Americans we have also seen a shift in coverage from middle class to lower income Americans. It is debatable as to whether the competitive landscape has changed significantly and the general perception is that most people's benefit levels have decreased while their net costs have increased. The main reason a consumer would want to make use of the government health insurance marketplace would be if they are in the income range (100% to 400% of the Federal Poverty Level) where they would qualify for subsidies of their health insurance premiums. A person can only receive premium subsidies for approved health insurance plans purchased through the marketplace in your state. Even in this case, you should seek out the guidance of an experienced health insurance agent to explain the products you are considering purchasing.
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