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Obama Care Health Insurance Exchange

Posted on October 25, 2013 by admin

The healthcare system in the United States is considered to be flawed by a lot of people. It seems like insurance companies are charging more exorbitant rates for healthcare all the time. The Obama Care health reforms are meant to solve that problem, or at least improve the situation a bit. The Obama Care Health Insurance Exchange is one part of the plan to do just that.

The Obama Care Health Insurance Exchange is a way to combat the rising and seemingly arbitrary costs of health insurance. It is an online network, often called a marketplace, where each insurance company lists its services and fees. In other words, individuals can comparison shop using the Obama Care marketplace.

How the Exchange Started

The Obama Care Health Insurance Exchange was created by the Affordable Health Care Act of 2010, although the exchange itself didn’t go live until October 1, 2013. Users can sign in and obtain insurance through the open enrollment on the exchange until March 31, 2014, but the insurance won’t actually start until January 1, 2014.

Why the Obama Care Exchange is Important

The new Obama Care Health Insurance Exchange is important because it puts healthcare insurance companies into close competition with each other. They know that their prices will be easily compared side-by-side with the prices of their competitors. That healthy competition is likely to lower health insurance costs. It is also important because it gives all Americans the chance to quickly and easily access health insurance rate information for insurance companies in their state.

How the Obama Care Exchange Works

There are three different parts of the Obama Care Health Insurance Exchange. Some states are running their own exchanges, but the federal government is running some as well. There are also what are known as join-run exchanges, which means that insurance companies that meet the state and federal requirements can join that particular exchange. Some states will even run their exchanges in conjunction with the federal government, or with other states.
Regardless of how a given exchange is created or run, they all work the same way. Users can sign up to browse the exchange for their area. Then they can select the insurance plan that works best for them. If they choose to, they can enroll in one of the insurance plans, which will start on January 1, 2014. So, if you are unsure about which health insurance plan to choose, a quick Internet search can help you to pinpoint exactly what you need.
If you want to find the right Obama Care Health Insurance Exchange website for your area, you can do that by visiting There you will find a chart with links to each exchange website organized by state. Some of those websites are state-run, while others are run by the federal government or jointly run.