Health Insurance Exchanges in Healthcare Reform: Five Things Builders Should Know

Author:

Jordan Battani

Health Insurance Exchanges, the secure online marketplaces that are required for the implementation of national health care reform, are modeled on the Commonwealth Connector — the online marketplace created in 2007 for Massachusetts to support state-wide health care reform. Under national health care reform, every state will be required to provide an Exchange for individual and small business health coverage purchasers. In Massachusetts, using the Commonwealth Connector, consumers learn about coverage programs, compare benefit offerings, determine eligibility for various subsidies and programs, and finally select and enroll in coverage. These are all features that will be required in the new Exchanges. The Connector was designed, developed, tested and deployed on a very short timeline, and there are important lessons from the experience for the builders of the new Exchanges under the Affordable Care Act.

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