Health exchanges are included in Congress’s recent health care reform bill. The article “Health Exchanges: What are They” on healthcentral.com defines a health exchange as a government sponsored market for buying health insurance. It would be available to people not working for large companies and not on Medicaid, Medicare or any other public program. Health care reform would result in approximately 30 million Americans using health exchanges to receive their health insurance.
This type of program has pros and cons. It’s based on the philosophy of managed competition. Only pre-approved health plans which meet government standards may compete in the health exchanges. There is much debate over who would control these exchanges. It can be controlled at state level or national level or a mixture of both. There would need to be a consistent and fair way to get consumers affordable health insurance quotes.
The article “Collaborate on Health Exchanges” by Gary Lauer on USA Today’s site points out that America is so diverse, and no single approach is going to meet every consumer need. In order for such a system to work, it will require a collaborative effort to get eligible Americans enrolled into exchanges quickly and smoothly and have significantly more people insured, which is Congress’ ultimate goal.