State Health Insurance Exchanges: What Social Workers Need to Know

Stacy Collins, MSW


Practice Perspectives


Health insurance exchanges are a hallmark of the 2010 Patient Protection and Affordable Care Act (ACA). Exchanges are state-based health insurance marketplaces, where individuals and small businesses can purchase affordable health coverage. Designed to create a more organized and competitive system for buying health insurance, exchanges will offer a choice of different health plans, certify participating plans for compliance with federal requirements, and provide information to help consumers better understand their insurance options and make informed choices. Low-income individuals will receive federal subsidies to cover the cost of insurance purchased through the exchanges.

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