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Health Insurance Exchanges: The Big Unknowns
Physicians navigating the world after health system reform are headed toward a large, uncharted area over the horizon in the form of health insurance exchanges. The coverage marketplaces will serve millions of people, but with few predecessor models to serve as guides, doctors wondering what the exchanges will be like for them are, for the most part, sailing blind.
Health insurance exchanges are scheduled to emerge by 2014, at which point individuals and small businesses will be able to shop for a variety of plan options, including coverage that might come with federal subsidies. Forming competitive marketplaces is a major way in which Affordable Care Act architects intended not only to expand coverage to tens of millions of people, but also to restrain cost growth in the system.