Health insurance marketplace

2161:), to develop the exchange concept in the U.S. using on-line technology. The product was created in the mid-1980s. IMX developed an eligibility verification system, a claims management system, and a bank-based payments administration system that would manage payments between the patient, the employer, and the insurance carrier. Like proposed exchanges today, it focused on standards of care, utilization review by a third party, private insurer participation, and cost reduction for the health care system through product simplification. The focus was on creating local or regional exchanges that offered a series of standardized health care plans that reduced the complexity and cost of acquiring or understanding health care insurance, while simplifying claims administration. The system was modeled after the standardized stock exchange and banking industry 1775: 984:(IRS) on May 23, 2012, issued joint final rules regarding implementation of the new state-based health insurance exchanges to cover how the exchanges will determine eligibility for uninsured individuals and employees of small businesses seeking to buy insurance on the exchanges, as well as how the exchanges will handle eligibility determinations for low-income individuals applying for newly expanded Medicaid benefits. Premium caps have been delayed for a year on group plans, to give employers time to arrange new accounting systems, but the caps are still planned to take effect on schedule for insurance plans on 493: 1457:

that time period. The same memorandum said that 212,800 claims had been refused payment due to pre-existing conditions and that insurance firms had business plans to limit money paid based on these pre-existing conditions. These persons who might not have received insurance under previous industry practices are guaranteed insurance coverage under the ACA. Hence, the insurance exchanges will shift a greater amount of financial risk to the insurers, but will help to share the cost of that risk among a larger pool of insured individuals. The

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taxable year in excess of 100 percent of the poverty line for a family of the size involved, bears to an amount equal to 200 percent of the poverty line for a family of the size involved. *(ii) SPECIAL RULE FOR TAXPAYERS UNDER 133 PERCENT OF POVERTY LINE- If a taxpayer's household income for the taxable year is in excess of 100 percent, but not more than 133 percent, of the poverty line for a family of the size involved, the taxpayer's applicable percentage shall be 2 percent.

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high-risk individuals will pursue insurance in the health benefits exchanges. Congress has estimated that 22 million people will be newly insured in the health benefits exchanges. Thus the high-risk individuals do not number in high enough quantities to increase the net risk per person from previous practice. It is thus theoretically profitable to accept the individual mandate in exchange for the requirements presented in the

1240: 370: 1461:'s prohibition on denying coverage for pre-existing conditions began on January 1, 2014. Previously, several state and federal programs, including most recently the ACA, provided funds for state-run high-risk pools for those with previously existing conditions. Several states have continued their high-risk pools even after the first marketplace enrollment period. 1264: 1677:. Advocates claim these exchanges make these "markets" more efficient, providing oversight and structure, arguing that previous health insurance markets in the United States are poorly-organized and deal with wide variations in coverages and requirements among different companies, employers, and policies. 1494:

Within the exchanges, insurance plans are offered in four tiers designated from lowest premium to highest premium: bronze, silver, gold, and platinum. The plans cover ranges from 60% to 90% of bills in increments of 10% for each plan. For those under 30 (and those with a hardship exemption), a fifth

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qualify for coverage, including adults without dependent children. The law also provides for a 5% "income disregard", making the effective income eligibility limit 138% of the poverty line. States may choose to increase the income eligibility limit beyond this minimum requirement. As written, the ACA

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Health exchanges first emerged in the private sector in the early 1980s, and they used computer networking to integrate claims management, eligibility verification, and inter-carrier payments. These became popular in some regions as a way for small and medium-sized businesses to pool their purchasing

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rule. In 2010, the Commissioner speculated that insurance providers would supply a form confirming essential coverage to both individuals and the IRS; individuals would attach this form to their Federal tax return. Those who aren't covered will be assessed the penalty on their Federal tax return. In

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provision (sometimes called a "shared responsibility requirement" or "mandatory minimum coverage requirement"), individuals who are not covered by an acceptable health insurance policy will be charged an annual tax penalty of $ 95, or up to 1% of income over the filing minimum, whichever is greater;

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Implementation of the individual exchanges changed the practice of insuring individuals. The expansion of this market was a major focus of ACA. Over 1.3 million people had selected plans for 2015 marketplace coverage in the first three weeks of the year's open enrollment period, including people who

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According to the US Department of Health & Human Service, as enrollment for the Health Insurance Marketplace began on November 15, about 11.4 million people have explored their options, learned about the financial assistance available, and signed up for or renewed a health plan that meets their

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including "...weekly updates on the number of unique website visitors, new accounts, and new enrollments in a qualified health plan, as well as the level of coverage," separating the data by state, as well as reports on efforts to fix the broken portions of the website. The reports would have been

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Concerns have also been raised about insurance carriers' efforts to limit the number of providers in their networks to reduce costs. A study of the California marketplace confirmed these concerns, but also showed that geographic access was similar and quality at times superior in marketplace-based

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or to deny coverage altogether. The House Committee on Energy and Commerce found that, between 2007 and 2009, the four largest for-profit insurance companies refused insurance to 651,000 people for previous medical conditions, a number that increased significantly each year, with a 49% increase in

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As of January 3, 2014, 2 million people had selected a health plan through the health insurance marketplaces. By April 19, 2014, 8.0 million people had signed up through the health insurance marketplaces and an additional 4.8 million joined Medicaid. As of February, 2015, about 11.4 million people

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Obamacare maintained the concept of health insurance exchanges as a key component of health care. President Obama stated that it should be "a market where Americans can one-stop shop for a health care plan, compare benefits and prices, and choose the plan that's best for them, in the same way that

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reported that Americans with no health insurance would have an additional six weeks before they would be penalized. That deadline was extended to March 31, and those who do not enroll by then may still avoid incurring penalties and getting locked out of the healthcare enrollment system this year.

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Except as provided in clause (ii), the applicable percentage with respect to any taxpayer for any taxable year is equal to 2.8 percent, increased by the number of percentage points (not greater than 7) which bears the same ratio to 7 percentage points as the taxpayer's household income for the

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Additionally, a study done by Pauly and Herring estimates that individuals with pre-existing conditions in the 99th percentile of financial risk represented 3.95 times the average risk (mean). Figures from the House Committee on Energy and Commerce would indicate that approximately 1 million

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Those living in states that use federal exchange, who may avail themselves of a "special entrollment period" that allows individuals to avoid penalties and enroll in a health plan by checking a blue box by mid-April 2014, stating they tried to enroll before the deadline (doing so provides a

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processes. The major difference was that IMX health care exchanges would provide their products through a national network of existing commercial banks rather than setting up a duplicate payment and administration systems network as proposed today. The IMX product rights were acquired by

1953:, but created and maintained by the individual state. Sometimes referred to as a State-based Exchange (SBE), State-based marketplaces strive to limit consumer confusion by standardizing information on plan benefits and making it easier to compare insurance policy cost and quality. 829:

Medicaid funding from the federal government. For states that do expand Medicaid, the law provides that the federal government will pay for 100% of the expansion for the first three years, then gradually reduce its subsidy to 90% by 2020. As of April 25, 2013, fifteen

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The message, "Please try again later", greeted many people who tried to view information on marketplace websites across the United States during the first week of operation. Websites were reported to have either crashed or to offer very sluggish response times. A statement by

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States that have opted to implement a State-based Marketplace are required to offer numerous forms of aid to consumers searching for coverage, such as toll-free hotlines to help consumers with plan selection, assistance in determining eligibility for federal subsidies or

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Proponents of health care reform believe that allowing comparable plans to compete for consumer business in one convenient location will drive prices down. Having a centralized location increases consumer knowledge of the market and allows for greater conformation to

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ACA health exchanges were fully certified and operational by January 1, 2014, under federal law. Enrollment in the marketplaces started on October 1, 2013, and continued for six months. As of April 19, 2014, 8.02 million people had signed up through the

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exchange and the private CaliforniaChoice exchange, but doctor networks are not identical. Physicians advertising acceptance of Anthem Blue Cross Exchange HMOs may misinform individuals enrolled in Anthem Blue Cross Exchange HMOs through the private exchange.

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The subsidies for insurance premiums are given to individuals who buy a plan from an exchange and have a household income between 133% and 400% of the poverty line. Section 1401(36B) of PPACA explains that each subsidy will be provided as an advanceable,

3117: 2138:, and budget. These exchanges are sometimes called marketplaces or intermediaries, and work directly with insurance carriers, effectively acting as extensions of the carrier. The largest and most successful private health care exchange is 443:

Private non-ACA health care exchanges also exist in many states, responsible for enrolling 3 million people. These exchanges predate the Affordable Care Act and facilitate insurance plans for employees of small and medium size businesses.

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power into larger groups, reducing cost. An additional advantage was the ability of small businesses to offer a range of plans to employees, allowing them to compete with larger corporations. The largest such exchange prior to the ACA is

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marketplaces. An additional 4.8 million joined Medicaid. Enrollment for 2015 began on November 15, 2014, and ended on December 15, 2014. As of April 14, 2020, 11.41 million people had signed up through the health insurance marketplaces.

2170:(then Blue Cross and Blue Shield of Kentucky). The exchange product became the basis for inter-carrier claims settlement between commercial insurance carriers and Blue Cross organizations. The founders of IMX were from top management at 554:

on the exchanges ran from October 1, 2013, to March 31, 2014, and insurance plans purchased by December 15, 2013, began coverage on January 1, 2014. For 2015 open enrollment began on November 15, 2014, and ended on February 15, 2015.

4269: 472:, and helps spread risk to ensure that the costs associated with expensive medical treatments are shared more broadly across large groups of people, rather than spread across just a few beneficiaries. Health insurance exchanges use 632:, meaning that if a person or family has coverage for part of the year they won't be liable if they lack coverage for less than a three-month period during the year. Exemptions are permitted for religious reasons, for members of 3317: 1662:), when the site drew 250 thousand visitors instead of the 50-60 thousand expected, and claimed that the site would have worked with fewer visitors. More than 8.1 million people visited the site from October 1–4, 2013. 3563: 547:. States may choose to join together to run multi-state exchanges, or they may opt out of running their own exchange, in which case the federal government will step in to create an exchange for use by their citizens. 431:(ACA, known colloquially as "Obamacare") at ACA health exchanges, where they can choose from a range of government-regulated and standardized health care plans offered by the insurers participating in the exchange. 2181:

In overlapping markets, the co-existence of public and private exchange plans can lead to confusion when speaking of an "exchange plan." In California, Anthem Blue Cross offers HMO plans through both the state-run

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It was unknown how many people in total successfully enrolled in the first week. The federal marketplace website was scheduled for maintenance on the weekend. Some reporters nicknamed the program "Slowbamacare".

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reports: "This method will rely on an honor system; the government will not try to determine whether the person is telling the truth". State-run exchanges have their own rules; several will be granting similar

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acronym across state and federal government stakeholders, and the private sector technology and service providers that are helping states build their exchanges. The acronym HIX differentiates this topic from

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had signed up for or been automatically renewed for 2015 marketplace coverage. Today, more than 1,400 local outreach events have been conducted in federally facilitated marketplace states across the country.

531:, and all of these plans should include an affordable basic benefit package that includes prevention, and protection against catastrophic costs. I strongly believe that Americans should have the choice of a 2130:. Private exchanges combine technology and human advocacy, and include online eligibility verification and mechanisms for allowing employers who connect their employees or retirees with exchanges to offer 4001: 5462: 1949:(SBM) is a state-specific online marketplace where American citizens and legal residents can comparison shop, apply, and enroll in subsidized health insurance plans via a government agency. Similar to 993: 460:

laws. Exchanges are not themselves insurers, so they do not bear risk themselves, but they do determine which insurance companies participate in the exchange. An ideal exchange promotes insurance

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needs and fits their budget. As of February, 2015, $ 268 was the average monthly tax credit for people who qualify for financial assistance in 37 states using HealthcCare.gov through January 30.

976:). The formula was changed in the amendments (HR 4872) passed March 23, 2010, in section 1001. To qualify for the subsidy, the beneficiaries cannot be eligible for other acceptable coverage. The 4059: 1765:

Those who have successfully applied for exemption status based on criteria published by HealthCare.gov, who are not required to pay a tax penalty if they don't enroll in a health insurance plan.

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in their failed exchanges. One of these factors, "cherry-picking" of customers, will not be possible in the state-run exchanges mandated by the ACA, because all insurance plans will be "

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The Patient Protection and Affordable Care Act eliminates lifetime and annual limits from plans in the individual health benefits exchanges. This effectively eliminates the ceiling on

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operating alongside private plans. This will give them a better range of choices, make the health care market more competitive, and keep insurance companies honest." Although the

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On the date the Patient Protection and Affordable Care Act of 2010 was enacted, only a few health insurance exchanges across the country were up and running. Among them were the

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ACA was signed into law on March 23, 2010. The law required that health insurance exchanges commence operation in every state on October 1, 2013. In the first year of operation,

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State-based Marketplaces have developed as technology matures and the market and individual state needs have changed. Numerous states have opted to implement their own SBM.

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Minnesota's healthcare exchange was reported to have accidentally e-mailed personal information of more than 2,400 insurance agents to an insurance broker, according to the

2724: 5732: 5396: 572: 237: 4205: 2316: 5442: 4478: 3924: 3001: 3761: 3649: 5619: 3567: 242: 3732: 3593: 825:(2012) that this withdrawal of funding was unconstitutionally coercive and that individual states had the right to opt out of the Medicaid expansion without losing 4250: 4231: 2879:"Technical Explanation of The Revenue Provisions of the Reconciliation Act of 2010, as Amended, in Combination With the Patient Protection And Affordable Care Act" 5490: 821: 1674: 3074: 2127: 1926: 1209: 977: 650: 616:

services (services to help people with injuries, disabilities, or chronic conditions to recover), laboratory services, preventive and wellness services, and

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came under media scrutiny as a developer behind several marketplace websites, after numerous issues surfaced with the federal health insurance marketplace,

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On October 1, 2013, the state-run marketplaces also opened to the public, and some of them reported first statistics. During the first week of enrollment:

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Generally, in 2010, the filing threshold is $ 9,350 for a single person or a married person filing separately and is $ 18,700 for married filing jointly.

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The private health insurance industry fears that restricted eligibility and a market size that is too small could result in higher premiums, encourage "

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On January 16, 2014, Terry's bill passed the House of Representatives; 226 Republicans and 33 Democrats voted yes. Alexander's bill died in committee.

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is projected to equal about $ 11,800 for a single person and about $ 24,000 for a family of four. See Subsidy Calculator for specific dollar amount.

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Insurers are prohibited from discriminating against or charging higher rates for any individual based on pre-existing medical conditions or gender.

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hospital filed a lawsuit for "failure to ensure adequate network coverage" when only two insurers included Children's in their marketplace plan.

1506:. Each of these plans will also cap liabilities for consumers with out-of-pocket expenses at $ 6,350 for individuals and $ 12,700 for families. 257: 3684:

Pauly, Mark V.; Herring, Bradley (May 2007). "Risk Pooling and Regulation: Policy and Reality in Today's Individual Health Insurance Market".

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the wording of the law, a taxpayer who fails to pay the penalty "shall not be subject to any criminal prosecution or penalty" and cannot have

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Sebelius said on Monday that 'the key date really is the 15th of December,' the deadline for buying coverage that starts on January 1.

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allows insurers to spread the financial risk of newly insured people with pre-existing conditions among a larger pool of individuals.

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In the individual market, sometimes thought of as the "residual market" of insurance, insurers have generally used a process called

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enrollees. By October 21, 2013, only 4,500 Washington residents had enrolled in private insurance through the state marketplace.

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this will rise to a minimum of $ 695 ($ 2,085 for families), or 2.5% of income over the filing minimum, by 2016. The penalty is

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Members of the Pre-Existing Condition Insurance Program, who were given a one-month extension until the end of April 2014.

5202: 3604: 3382:"Treasury Lays the Foundation to Deliver Tax Credits to Help Make Health Insurance Affordable for Middle-Class Americans" 2531: 1914: 1544: 4560:"California Hospital Networks Are Narrower In Marketplace Than In Commercial Plans, But Access And Quality Are Similar" 2850: 2175: 1724: 1699: 117: 5277: 523:, established in 1996. By 2000, CaliforniaChoice's membership included 140,000 individuals from 9000 business groups. 5589: 3214: 3132: 2705: 2097: 1350: 4440: 2134:. They are designed to help consumers find plans personalized to their specific health conditions, preferred doctor/ 2586: 1705: 1666: 1372: 1365: 198: 180: 1893: 584:

All private health insurance plans offered in the Marketplace must offer the following essential health benefits:

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Haeder, Simon (2013). "Making the Affordable Care Act Work: High-Risk Pools and Health Insurance Marketplaces".

3337: 2399: 1778: 543:(ACA) as passed used state-based exchanges, and the public option was ultimately dropped from the bill after it 476:(EDI) to transmit required information between the exchanges and carriers (trading partners), in particular the 5834: 5268: 3600: 3503: 3238: 3150: 3048: 2567: 2431: 2154: 1274: 1254: 989: 532: 4784: 4116: 969: 948: 581:

Insurers are prohibited from establishing annual spending caps of dollar amounts on essential health benefits.

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2nd Edition of the HIMSS Dictionary of Healthcare Information Technology Terms, Acronyms and Organizations

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Private health exchanges predate the Affordable Care Act. One example of an early health care exchange is

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3rd Edition of the HIMSS Dictionary of Healthcare Information Technology Terms, Acronyms and Organizations

1551:: The individual mandate requires that all individuals purchase health insurance. This requirement of the 5709: 5539: 3625: 3546: 3154: 3092: 3027: 2882: 1577: 1440: 1313: 1216:

estimate the average annual premium cost in 2014 would be $ 11,328 for a family of 4 without the reform.

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In participating states, Medicaid eligibility is expanded; all individuals with income up to 133% of the

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See "Clips" tab then "Clips Timeline" drop-down for abstracts of edited clips from the following videos:

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There are 5 categories of Marketplace insurance plans: Bronze, Silver, Gold, Platinum, and Catastrophic.

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Patient Protection and Affordable Care Act: Title I: Subtitle E: Part I: Subpart A: Premium Calculation

3118:"Medicaid Expansion: 5. Is Medicaid eligibility expanding to 133 or 138 percent FPL, and what is MAGI?" 2516: 2454: 2245: 962:

Patient Protection and Affordable Care Act: Title I: Subtitle E: Part I: Subpart A: Premium Calculation

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Members of Congress and their families can. None of these plans should deny coverage on the basis of a

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or levies placed on their property, but the IRS will be able to withhold future tax refunds from them.

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Pricing variation will be allowed by area (within a state) and family composition ("tier") as well.

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is a way to provide government benefits to individuals who may have no tax liability (such as the

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coverage while allowing insurers to compete in cost-efficient ways and help them to comply with

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reported that large numbers of low income people were excluded in states that did not offer

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MacGillis, Alec (2010). "The Insurers: More Customers, More Restrictions". In The Staff of

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was willing to accept these constraints on pricing, capping, and enrollment because of the

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Landmark: The Inside Story of America's New Health-Care Law and What It Means for Us All

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Landmark: The Inside Story of America's New Health-Care Law and What It Means for Us All

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In March 2015, Oregon officially abolished its state-run health insurance marketplace, "

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Some exchanges have been criticized for offering health plans that necessitate too many

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Please help update this article to reflect recent events or newly available information.

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Annual Health Insurance Premiums and Cost Sharing under PPACA for Average Family of 4

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due every Monday until March 31, 2015, and would have been available to the public.

5655: 5555: 5549: 4928: 4574: 4209: 3931:. U.S. Department of Health & Human Services. February 13, 2015. Archived from 3816: 3695: 3359: 3023: 2955: 2731:. U.S. Department of Health & Human Services. December 15, 2014. Archived from 2673: 2432:"State Decisions For Creating Health Insurance Exchanges, as of May 28, 2013 - Map" 2216: 2167: 2135: 1896:

requirement for all citizens to purchase health insurance and increase market size.

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Status of Federal Funding for State Implementation of Health Insurance Exchanges

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s:Patient Protection and Affordable Care Act/Title I/Subtitle E/Part I/Subpart A

5724: 5559: 5509: 5345: 5307: 3686: 3644: 3542: 3469: 3367:(100). Washington, D.C.: Government Printing Office: 30377–30400. May 23, 2012. 2502: 2250: 2111: 1950: 1930: 1688: 1659: 1515: 1328: 934: 875: 867: 465: 345: 4579: 5808: 5615: 3699: 3070: 2901:"Understanding the Impacts of the Patient Protection and Affordable Care Act" 2664: 2582: 2392:"Take advantage of the emerging market place of the Health Benefit Exchanges" 2206: 1754: 601: 412: 5313: 4952: 1498:

Insurance companies select the doctors and hospitals that are "in-network".

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Somashekhar, Sandhya; Goldstein, Amy; Eilperin, Juliet (October 23, 2013).

3724: 3707: 2037: 2031: 1449: 1410: 919: 915: 5331: 5265: 4976: 4097: 3820: 2550:"Establishing Health Insurance Marketplaces: An Overview of State Efforts" 1727:. However, a later report clarified that many included in that count were 5545: 5227: 4767:"H.R. 3362 (113th): Exchange Information Disclosure Act — House Vote #23" 4359: 4124: 3728: 3621: 2162: 2119: 859: 566: 4905:"Your Health Idaho » Idaho's Official Health Insurance Marketplace" 4251:"Washington Healthplanfinder: more than 35,000 have enrolled in 3 weeks" 3948:"Mandate To Buy Coverage: Health Insurance Industry's Idea, Not Obama's" 5645: 5525: 2997: 2746: 2638:"Obamacare Benefits Enrollment Will Start Slowly, White House Predicts" 1885: 1842:

have decided to terminate health insurance for their part-time workers.

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Goldstein, Amy; Sun, Lena H.; Somashekhar, Sandhya (October 1, 2013).

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were caused by unexpected high volume at the federal health exchange (

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had sought a single national exchange as well as a public option, the

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yet-undetermined amount of time to actually sign up after that). The

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Maximum Out-of-Pocket Premium as Percentage of Family Income and

927: 903: 890:—were not participating in the Medicaid expansion, with ten more— 847: 835: 469: 4666:"S.1590 - Exchange Information Disclosure Act: Actions Overview" 2126:

in a private exchange must meet certain criteria defined by the

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Economics of health insurance exchanges: the individual mandate

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The de facto acronym of HIX will be replaced with HIEx in the

427:. People can purchase health insurance that complies with the 5575: 5254: 4808: 4460:"Part-Time Workers Search New Exchanges For Health Insurance" 4050: 3886:"Premiums unveiled show wide range for health overhaul plans" 3497:"Private Health Insurance Provisions in PPACA (P.L. 111-148)" 3285:"Health care reform bill 101: Who gets subsidized insurance?" 3232:"Health Insurance Premium Credits Under PPACA (P.L. 111-148)" 1881: 895: 879: 843: 5397:

Provisions of the Patient Protection and Affordable Care Act

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A private health insurance exchange is an exchange run by a

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Provisions of the Patient Protection and Affordable Care Act

5443:

Authority for Mandate Delay Act (H.R. 2667; 113th Congress)

4330:"I'll Take the Tax: 10 Obamacare Exemptions You Don't Want" 3843:"Compilation of Patient Protection and Affordable Care Act" 3653: 3133:"States forgo billions by opting out of Medicaid expansion" 2300: 923: 911: 851: 642: 5060:"NY State of Health, The Official Health Plan Marketplace" 5000: 2481:"Health care reform bill 101: What's a health 'exchange'?" 2365:"Private Health Care Exchanges enroll more than Predicted" 2296:"Latest score: Obamacare enrolls 8.02 million by April 19" 1880:

of the exchange. That is what some believe will happen in

5321: 5310:

Jul 25, 2013, Politico Pro Health Care Breakfast Briefing

4463: 4444: 4407: 4143: 3884:

Somashekhar, Sandhya; Kliff, Sarah (September 24, 2013).

3568:

Substance Abuse and Mental Health Services Administration

3404:"A Limit on Consumer Costs Is Delayed in Health Care Law" 3136: 3028:

Cornell University Law School Legal Information Institute

2982: 2754: 2587:"Obamacare push accelerates as government shutdown nears" 2535: 1848:

Scams were expected because of confusion over enrollment.

1831: 1807: 1723:

reported that more than 9,400 people had enrolled in the

5491:

National Federation of Independent Business v. Sebelius

4404:"In Florida, Insurer And Nonprofits Work On Enrollment" 4156: 1964: 1470:

Pricing Factors Allowed in the exchange under the ACA:

822:

National Federation of Independent Business v. Sebelius

452:

Health insurance exchanges in the United States expand

5083: 4311:"Obama Administration Announces Health Care Extension" 3925:"By the Numbers: Open Enrollment for Health Insurance" 3911:"Obamacare premiums for 2015 include some big changes" 3640:"Policies to Improve Affordability and Accountability" 2808:"The Top 18 Immediate Effects Of The Health Care Bill" 1929:

to submit weekly reports to Congress on the status of

1925:, respectively). Terry's bill would have required the 1245:

Maximum Out-of-Pocket Premium Payments Under PPACA by

567:

Patient Protection and Affordable Care Act regulations

507: Establishing state-federal partnership exchanges 4441:"Obamacare marketplaces raise data security concerns" 3075:

United States Department of Health and Human Services

2043: 1927:

United States Department of Health and Human Services

651:

United States Department of Health and Human Services

5391:

Health Care and Education Reconciliation Act of 2010

4558:

Haeder, Simon; Weimer, David; Mukamel, Dana (2015).

4115:

Blumberg, Linda J.; Pollitz, Karen (April 1, 2009).

3740:

United States House Committee on Energy and Commerce

3194: 3192: 3024:"Requirement to maintain minimum essential coverage" 3002:"Individual mandate 101: What it is, why it matters" 2979:"Uninsured next year? Here's your Obamacare penalty" 2951:"Tax implications of health care reform legislation" 2254:. U.S. Centers for Medicare & Medicaid Services. 992:

calculated what the income-based premium caps for a

4557: 4551: 4159:"Rush of interest continues on insurance Web sites" 3093:"5 key things to remember about health care reform" 2564:"How can I get ready to enroll in the Marketplace?" 1571:HIX (Health Insurance eXchange) is emerging as the 1452:to ensure that each individual paid for his or her 468:, facilitates increased enrollment and delivery of 4078:"Obama adviser: Demand overwhelmed HealthCare.gov" 3848:. Office of the Legislative Counsel. June 9, 2010. 3230:Peterson, Chris L.; Gabe, Thomas (April 6, 2010). 545:did not win filibuster-proof support in the Senate 4660: 4658: 4631:"The Affordable Care Act: The Individual Mandate" 4541:"Left off many networks, Seattle Children's sues" 3431: 3189: 2725:"Open Enrollment Outreach and Education Round-Up" 2317:"Higher bar for health law in 2nd sign-up season" 5806: 3883: 3170:"The outlook for Medicaid expansion looks bleak" 2474: 2472: 2142:, established by CHOICE Administrators in 1996. 817:states declining to participate in the expansion 5748:America's Affordable Health Choices Act of 2009 4684: 4510:"Protecting yourself from healthcare law scams" 4114: 3999: 3425:"The Latest Right-Wing Freakout Over Obamacare" 2833:"What does Marketplace health insurance cover?" 2787:. New Hampshire Insurance Department. p. 2 2314: 2025: 480:transaction for enrollment information and the 5334:, Congressional Research Service, July 1, 2016 4655: 3802: 3800: 3594:"Health Insurance Premium Credits Under PPACA" 3376: 3374: 2806:Binckes, Jeremy; Wing, Nick (March 22, 2010). 2751:"More than 2 million enrolled under Obamacare" 2406: 2267:"HHS Proposes Health Insurance Exchange Rules" 1827:Loss of group coverage for part-time employees 1735: 5353: 5308:Report Video Issue Health Insurance Exchanges 5178:"Which States Have State-Based Marketplaces?" 4734: 4206:"What really went wrong with healthcare.gov?" 3491: 3489: 3487: 2785:Health Care Reform Frequently Asked Questions 2491: 2469: 2315:Alonso-Zaldivar, Ricardo (November 9, 2014). 1619:to certain ideas, incidents, or controversies 392: 5453:Patient-Centered Outcomes Research Institute 4377: 3723: 3683: 3652:from the original on 2017-02-08 – via 3474:"George Will: Now Obama Is Worse Than Nixon" 3313: 3311: 3229: 3209:. New York: Public Affairs. pp. 93–98. 3151:"Is Medicaid Expansion Good for the States?" 3143: 2942: 2700:. New York: Public Affairs. pp. 73–83. 2580: 1590: 1489: 1203: 978:U.S. Department of Health and Human Services 937:for individuals in the individual exchanges. 218:Health Care and Education Reconciliation Act 5260:Insurer marketplace participation by county 4712: 4706: 4305: 4303: 4301: 3797: 3530: 3528: 3416: 3371: 3124: 3086: 3084: 2925: 2923: 2839: 2805: 2745: 2629: 2607: 2517:"What is the Health Insurance Marketplace?" 2246:"What is the Health Insurance Marketplace?" 1940: 1464: 1190: 5387:Patient Protection and Affordable Care Act 5383:Patient Protection and Affordable Care Act 5360: 5346: 4479:"Scammers newest ruse: Health care reform" 4327: 3632: 3484: 3112: 3110: 2995: 2719: 2717: 2289: 2287: 2157:, a large British technology company (now 1804:Exclusion of many lower-income individuals 1629:this issue before removing this message. 1595: 559:renewed their coverage and new customers. 541:Patient Protection and Affordable Care Act 429:Patient Protection and Affordable Care Act 399: 385: 5194: 4623: 4578: 4180: 4178: 4176: 4174: 4172: 3308: 3198: 2687: 2681: 2669:"Burn Your Obamacare Card, Burn Yourself" 2434:. Kaiser Family Foundation. May 28, 2013. 2098:Learn how and when to remove this message 2040:", in favor of a federally-run exchange. 1900: 951:and gives a formula for its calculation: 4636:. University of Missouri. Archived from 4476: 4298: 4229: 4203: 4184: 4140:"Glitches Slow Health Exchange Sign-ups" 4075: 3860:"How do I choose Marketplace insurance?" 3679: 3677: 3660: 3525: 3389:United States Department of the Treasury 3251: 3245: 3081: 3063: 3049:"How health insurance mandate will work" 3016: 2929: 2920: 2552:. Kaiser Family Foundation. May 2, 2013. 2070:Relevant discussion may be found on the 2021:Washington – Washington Healthplanfinder 1876:" of customers by insurers, and force a 1773: 1710:More than 40,000 people enrolled in the 491: 5779:Health care reform in the United States 5367: 5200: 4773:. Civic Impluse, LLC. January 16, 2014. 4507: 4477:Thompson, Connie (September 30, 2013). 4261: 4098:"Health insurance Marketplace by state" 3877: 3719: 3717: 3614: 3437: 3395: 3297: 3107: 2714: 2284: 2202:Health care reform in the United States 996:for a family of four would be in 2014: 501: Creating state-operated exchanges 14: 5815:Healthcare reform in the United States 5807: 5743:Affordable Health Care for America Act 5332:Overview of Health Insurance Exchanges 5324:health policy correspondent, Interview 5175: 4672:. Library of Congress. 28 October 2013 4601: 4457: 4438: 4187:"Obamacare is here, GOP, ready or not" 4169: 4018: 3975:"Individual Responsibility - Glossary" 3945: 3806: 3778: 3043: 2948: 2873: 2871: 2799: 2657: 2389: 2362: 2293: 2082:to additional sources at this section. 1979:Colorado – Connect for Health Colorado 1814:expansion to 133% of the poverty line. 1231:Maximum Out-of-Pocket Premium Payments 819:. However, the Supreme Court ruled in 5448:Contraceptive mandate (United States) 5341: 4713:Kasperowicz, Pete (January 4, 2014). 4538: 4439:Condon, Stephanie (October 2, 2013). 4401: 4288:"Guide to special enrollment periods" 4248: 3835: 3779:Vesely, Rebecca (February 28, 2011). 3674: 3468: 3462: 3352:"Health Insurance Premium Tax Credit" 3282: 3167: 3130: 3120:. American Public Health Association. 2976: 2898: 2636:Young, Jeffrey (September 25, 2013). 2635: 2529: 2478: 2343:The Henry J. Kaiser Family Foundation 2264: 2149:(IMX), a company venture financed in 1994:Maryland – Maryland Health Connection 1985:District of Columbia – DC Health Link 496:Health insurance exchanges by state. 5650:New Mexico Health Insurance Exchange 5153:"Home | Washington Healthplanfinder" 4715:"House GOP to demand O-Care updates" 4508:Tarpley, Tiffany (October 1, 2013). 4249:Landa, Amy Snow (October 21, 2013). 4230:Periroth, Nicole (October 2, 2013). 4137: 4000:Editorial Board (February 7, 2014). 3908: 3759: 3714: 3586: 3422: 3401: 3254:"Health reform and you: A new guide" 3090: 3032:Described in 26 USC § 5000A(f)(4)(A) 2663: 2444: 2227:Universal health coverage by country 2047: 1965:States with State-based Marketplaces 1747:Exemptions and extensions apply to: 1599: 1543:The health insurance advocacy group 653:(HHS) federal poverty level in 2013 513: Defaulting to federal exchange 29: 4604:"A Texas-Sized Health Care Failure" 4539:Landa, Amy Snow (October 4, 2013). 4204:Auerbach, David (October 8, 2013). 4185:Westneat, Danny (October 8, 2013). 3438:Goddard, Teagan (August 13, 2013). 2868: 2390:Scholl, Martin (October 16, 2014). 2339:"Marketplace Enrollment, 2014-2020" 2009:New York – New York State of Health 1915:Exchange Information Disclosure Act 1769: 1623:create a more balanced presentation 1284: 930:—leaning towards not participating. 162:America's Affordable Health Choices 24: 3760:Hall, Jean P. (October 19, 2010). 3545:. January 28, 2011. Archived from 3423:Cohn, Jonathan (August 13, 2013). 2932:"Consumers Guide To Health Reform" 2851:American Public Health Association 2749:; Cohen, Tom (December 31, 2013). 2690:"Priority One: Expanding Coverage" 2615:"Glossary: Open Enrollment Period" 2445:Hass, Christopher (June 3, 2009). 2063:relies largely or entirely upon a 2044:Private health insurance exchanges 1725:Washington health plan marketplace 1700:California health plan marketplace 156:Affordable Health Care for America 118:Social Security Amendments of 1965 25: 5856: 5590:Illinois Health Benefits Exchange 5262:(Yearly recent and historic maps) 5248: 5024:https://www.nevadahealthlink.com/ 4602:McGarr, Cappy (October 5, 2009). 4076:Mullaney, Tim (October 6, 2013). 3252:Galewitz, Phil (March 22, 2010). 3004:. Wonkblog at the Washington Post 2930:Galewitz, Phil (March 26, 2010). 2899:Doyle, Brion B. (March 5, 2013). 2323:. CBS Interactive. Archived from 1673:- a non-profit exchange, and the 1522:of popular plans available under 484:transaction for premium payment. 5286:Search Health Insurance Exchange 5220: 5201:Manning, Jeff (April 25, 2014). 5169: 5145: 5133:portal.healthconnect.vermont.gov 5121: 5096: 5076: 5052: 5028: 5017: 4993: 4969: 4945: 4921: 4897: 4873: 4849: 4825: 4801: 4777: 4759: 4595: 4532: 4501: 4458:Ydstie, John (October 4, 2013). 3977:. HealthCare.gov. Archived from 3603:. April 28, 2010. Archived from 3570:. March 14, 2011. Archived from 3506:. April 15, 2010. Archived from 3402:Pear, Robert (August 12, 2013). 3091:Rice, Sabriya (March 25, 2010). 2949:Downey, Jamie (March 24, 2010). 2566:. Healthcare.gov. Archived from 2052: 2018:Vermont – Vermont Health Connect 1997:Massachusetts – Health Connector 1706:Kentucky health plan marketplace 1604: 1587:, to be released in March 2013. 1545:America's Health Insurance Plans 1262: 1238: 368: 357: 34: 5438:Physician Payments Sunshine Act 4470: 4451: 4432: 4414: 4402:Allen, Greg (October 1, 2013). 4395: 4352: 4321: 4280: 4242: 4223: 4197: 4150: 4138:Lohr, Kathy (October 5, 2013). 4131: 4108: 4090: 4069: 4043: 4012: 3993: 3967: 3946:Japsen, Bruce (June 17, 2012). 3939: 3917: 3902: 3852: 3772: 3753: 3556: 3344: 3322: 3283:Grier, Peter (March 20, 2010). 3276: 3223: 3168:Kliff, Sarah (April 25, 2013). 3161: 3037: 2989: 2977:Luhby, Tami (August 13, 2013). 2970: 2892: 2825: 2761: 2739: 2574: 2556: 2542: 2523: 2509: 2479:Grier, Peter (March 10, 2010). 2438: 2371:(New York ed.). p. B6 2265:Lewis, Nicole (July 12, 2011). 1976:California – Covered California 1036: 1030: 638:foreign earned income exclusion 614:rehabilitative and habilitative 27:Type of organizations in the US 5269:Congressional Research Service 4981:Massachusetts Health Connector 4857:"Access Manager for Web Login" 4019:Dimick, Chris (June 1, 2010). 3601:Congressional Research Service 3504:Congressional Research Service 3440:"Just Another Obamacare Delay" 3239:Congressional Research Service 2530:Luhby, Tami (April 23, 2013). 2424: 2383: 2356: 2331: 2308: 2258: 2238: 2155:Standard Telephones and Cables 2147:International Medical Exchange 2015:Rhode Island – HealthSource RI 1982:Connecticut – Access Health CT 1851:Restricted and narrow networks 1704:17,300 people enrolled in the 1698:28,699 people enrolled in the 1667:Massachusetts Health Connector 1373:Massachusetts Health Connector 990:Congressional Research Service 634:health care sharing ministries 533:public health insurance option 238:Obama administration proposals 13: 1: 5820:Health insurance marketplaces 5502:Health insurance marketplaces 5314:Update on the Health Care Law 4833:"Connect for Health Colorado" 4785:"State-based Exchanges | CMS" 4328:DAN RITTER (March 25, 2014). 3334:Bread for the World Institute 3290:The Christian Science Monitor 2363:Carrns, Ann (June 14, 2014). 2276:. UBM TechWeb. Archived from 2232: 2176:First Tennessee National Corp 447: 417:health insurance marketplaces 5753:America's Healthy Future Act 5402:Health insurance marketplace 5104:"Frequently Asked Questions" 4049:See more information on the 3155:U.S. News & World Report 3131:Luhby, Tami (July 1, 2013). 2847:"Minimum Coverage Provision" 2499:"Welcome to the Marketplace" 2222:Health Insurance Innovations 2026:Cover Oregon website failure 1905:On October 28 and 29, 2013, 1858:claims. On October 5, 2013, 1293:State and district exchanges 941: 7: 5710:Washington Healthplanfinder 5540:Connect for Health Colorado 4837:Connect for Health Colorado 3670:. Kaiser Family Foundation. 3626:Congressional Budget Office 2883:Joint Committee on Taxation 2294:Mangan, Dan (May 1, 2014). 2190: 2006:New Jersey – Get Covered NJ 2003:Nevada - Nevada Health Link 1907:Sen. Lamar Alexander (R-TN) 1736:Postponement of tax penalty 1578:health information exchange 1441:Washington Healthplanfinder 1314:Connect for Health Colorado 474:electronic data interchange 10: 5861: 5720:Federal insurance exchange 5620:Health Insurance Connector 5610:Maryland Health Connection 5512:, an option for all states 5300:Apr 22, 2013, Jenny Gold, 5157:www.wahealthplanfinder.org 4957:Maryland Health Connection 2029: 1566: 1526:for 2015 rose by 3-4% . 1366:Maryland Health Connection 570: 487: 325:Third-party payment models 137:Medicare Modernization Act 5771: 5731: 5719: 5520:Arkansas Health Connector 5500: 5463:Constitutional challenges 5461: 5428:Essential health benefits 5420: 5375: 5298:Health Care Law Exchanges 4692:"H.R. 3362 - All Actions" 4580:10.1377/hlthaff.2014.1406 3071:"2013 Poverty Guidelines" 2485:Christian Science Monitor 2012:Pennsylvania – Pennie(tm) 1988:Idaho – Your Health Idaho 1834:, some employers such as 1591:Criticism and controversy 1533: 1490:Comparable tiers of plans 1300:Arkansas Health Connector 1183: 1010: 1007: 1004: 281:Health insurance exchange 43:This article needs to be 18:Health insurance exchange 5304:correspondent, Interview 4694:. United States Congress 4426:Kaiser Family Foundation 3700:10.1377/hlthaff.26.3.770 3330:"Refundable Tax Credits" 2418:Kaiser Family Foundation 2174:, and top management of 1941:State-Based Marketplaces 1911:Rep. Lee Terry (R, NE-2) 1652:Chief Technology Officer 1465:Limit to price variation 1337:Hawaiʻi Health Connector 994:"silver" healthcare plan 982:Internal Revenue Service 974:earned income tax credit 537:House of Representatives 364:United States portal 181:American Health Care Act 80:Healthcare reform in the 69:This article is part of 5735:from the 111th Congress 5570:Hawaii Health Connector 4909:www.yourhealthidaho.org 4334:Wall Street Cheat Sheet 2906:The National Law Review 2688:Goldstein, Amy (2010). 1947:State-based Marketplace 1596:First week of operation 1509: 1331:(District of Columbia) 5733:Other reform proposals 5700:Vermont Health Connect 5472:Burwell v. Hobby Lobby 5407:Contraceptives mandate 5064:nystateofhealth.ny.gov 4861:www.accesshealthct.com 3030:. September 18, 2013. 2585:(September 30, 2013). 1901:Congressional reaction 1822:Minnesota Star Tribune 1800: 1779:ACA Medicaid expansion 1434:Vermont Health Connect 966: 815:Medicaid funding from 515: 375:Health care portal 331:All-payer rate setting 286:Nationalized insurance 248:Reform advocacy groups 5835:Universal health care 5758:Healthy Americans Act 5412:Executive Order 13535 5322:National Public Radio 3935:on February 15, 2015. 3898:on December 18, 2014. 3821:10.1515/for-2013-0056 3781:"States try it again" 3766:The Commonwealth Fund 3574:on September 21, 2012 3450:on September 27, 2013 2402:on November 24, 2014. 2327:on November 10, 2014. 2178:(now First Horizon). 1777: 1740:On October 23, 2013, 1518:says that healthcare 1478:Smoking status: 1.5:1 1271:federal poverty level 1251:federal poverty level 1020:Federal poverty level 1013:Cost-Sharing Subsidy 970:refundable tax credit 953: 949:refundable tax credit 529:preexisting condition 495: 301:Canadian vs. American 193:Healthy Americans Act 5763:Medicare for All Act 5275:C-SPAN Video Library 4422:"Subsidy Calculator" 3731:(October 12, 2012). 3628:. November 30, 2009. 3610:on October 27, 2010. 3552:on January 15, 2013. 3513:on December 12, 2012 2151:Louisville, Kentucky 2076:improve this article 1717:On October 8, 2013, 1675:Utah Health Exchange 1351:Get Covered Illinois 663:48 Contiguous States 187:Medicare for All Act 5369:Affordable Care Act 4742:"Text of H.R. 3362" 4520:on October 13, 2013 4489:on October 13, 2013 4292:healthinsurance.org 4274:The Washington Post 4163:The Washington Post 4102:healthinsurance.org 4031:on October 19, 2017 4006:The Washington Post 3472:(August 15, 2013). 3427:. The New Republic. 3201:the Washington Post 2812:The Huffington Post 2735:on January 4, 2015. 2694:the Washington Post 2643:The Huffington Post 2128:exchange management 1743:The Washington Post 1504:perfect competition 1001: 654: 596:(such as surgery), 458:consumer protection 212:Affordable Care Act 199:Health Security Act 5660:NY State of Health 5640:Nevada Health Link 5530:Covered California 5433:Premium tax credit 5302:Kaiser Health News 5280:2016-10-27 at the 5129:"VHC Landing Page" 4609:The New York Times 4428:. 28 October 2021. 4127:on April 16, 2013. 4062:2016-08-03 at the 4021:"Accrediting HIEs" 3929:HHS.gov/HealthCare 3409:The New York Times 3391:. August 12, 2011. 3175:Washingtonpost.com 3000:(March 27, 2012). 2936:Kaiser Health News 2885:. March 21, 2010. 2729:HHS.gov/HealthCare 2692:. In The Staff of 2667:(August 5, 2013). 2457:on August 20, 2012 2197:Health care reform 2184:Covered California 2124:insurance carriers 2000:Minnesota – MNsure 1894:individual mandate 1860:Seattle Children's 1801: 1712:NY State of Health 1549:individual mandate 1520:insurance premiums 1403:NY State of Health 1388:Nevada Health Link 1307:Covered California 1027:Cap (% of Income) 999: 988:; the HHS and the 649: 625:individual mandate 610:prescription drugs 600:and newborn care, 590:emergency services 516: 258:Insurance coverage 168:Baucus Health Bill 5802: 5801: 5580:Your Health Idaho 5478:Coons v. Geithner 4929:"kynect Benefits" 4813:www.coveredca.com 4545:The Seattle Times 4340:on March 27, 2014 4317:. March 25, 2014. 4255:The Seattle Times 4191:The Seattle Times 3891:The Seattle Times 3786:Modern Healthcare 3654:National Archives 3387:(Press release). 3340:on March 5, 2012. 3264:on March 25, 2010 3047:(June 29, 2012). 2835:. Healthcare.gov. 2570:on June 26, 2013. 2519:. Healthcare.gov. 2451:Obama for America 2280:on July 14, 2011. 2136:hospital networks 2108: 2107: 2100: 1991:Kentucky - kynect 1798: Implemented 1786: Not adopted 1720:The Seattle Times 1643: 1642: 1621:. Please help to 1613:This section may 1446: 1445: 1344:Get Covered Idaho 1225: 1224: 803: 802: 409: 408: 189:(2021, H.R. 1976) 83: 64: 63: 16:(Redirected from 5852: 5840:Health education 5830:Health insurance 5550:Access Health CT 5362: 5355: 5348: 5339: 5338: 5243: 5242: 5240: 5238: 5232:CaliforniaChoice 5224: 5218: 5217: 5215: 5213: 5198: 5192: 5191: 5189: 5188: 5173: 5167: 5166: 5164: 5163: 5149: 5143: 5142: 5140: 5139: 5125: 5119: 5118: 5116: 5115: 5110:. 28 August 2015 5100: 5094: 5093: 5091: 5090: 5080: 5074: 5073: 5071: 5070: 5056: 5050: 5049: 5047: 5046: 5032: 5026: 5021: 5015: 5014: 5012: 5011: 4997: 4991: 4990: 4988: 4987: 4973: 4967: 4966: 4964: 4963: 4949: 4943: 4942: 4940: 4939: 4925: 4919: 4918: 4916: 4915: 4901: 4895: 4894: 4892: 4891: 4885:dchealthlink.com 4877: 4871: 4870: 4868: 4867: 4853: 4847: 4846: 4844: 4843: 4829: 4823: 4822: 4820: 4819: 4805: 4799: 4798: 4796: 4795: 4781: 4775: 4774: 4763: 4757: 4756: 4754: 4752: 4738: 4732: 4731: 4729: 4727: 4710: 4704: 4703: 4701: 4699: 4688: 4682: 4681: 4679: 4677: 4662: 4653: 4652: 4650: 4648: 4643:on March 1, 2014 4642: 4635: 4627: 4621: 4620: 4618: 4616: 4599: 4593: 4592: 4582: 4564: 4555: 4549: 4548: 4536: 4530: 4529: 4527: 4525: 4516:. 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HealthCare.gov 3856: 3850: 3849: 3847: 3839: 3833: 3832: 3804: 3795: 3794: 3776: 3770: 3769: 3757: 3751: 3750: 3748: 3746: 3737: 3725:Waxman, Henry A. 3721: 3712: 3711: 3681: 3672: 3671: 3664: 3658: 3657: 3636: 3630: 3629: 3618: 3612: 3611: 3609: 3598: 3590: 3584: 3583: 3581: 3579: 3560: 3554: 3553: 3551: 3540: 3532: 3523: 3522: 3520: 3518: 3512: 3501: 3493: 3482: 3481: 3466: 3460: 3459: 3457: 3455: 3446:. Archived from 3435: 3429: 3428: 3420: 3414: 3413: 3399: 3393: 3392: 3386: 3378: 3369: 3368: 3360:Federal Register 3356: 3348: 3342: 3341: 3336:. Archived from 3326: 3320: 3315: 3306: 3301: 3295: 3294: 3280: 3274: 3273: 3271: 3269: 3260:. Archived from 3249: 3243: 3242: 3236: 3227: 3221: 3220: 3196: 3187: 3186: 3184: 3182: 3165: 3159: 3158: 3147: 3141: 3140: 3128: 3122: 3121: 3114: 3105: 3104: 3102: 3100: 3088: 3079: 3078: 3067: 3061: 3060: 3058: 3056: 3041: 3035: 3034: 3020: 3014: 3013: 3011: 3009: 2993: 2987: 2986: 2974: 2968: 2967: 2965: 2963: 2956:The Boston Globe 2946: 2940: 2939: 2927: 2918: 2917: 2915: 2913: 2896: 2890: 2889: 2875: 2866: 2865: 2863: 2862: 2853:. Archived from 2843: 2837: 2836: 2829: 2823: 2822: 2820: 2818: 2803: 2797: 2796: 2794: 2792: 2782: 2774: 2768: 2765: 2759: 2758: 2743: 2737: 2736: 2721: 2712: 2711: 2685: 2679: 2678: 2674:The New Republic 2661: 2655: 2654: 2652: 2650: 2633: 2627: 2626: 2624: 2622: 2617:. Healthcare.gov 2611: 2605: 2604: 2599: 2597: 2578: 2572: 2571: 2560: 2554: 2553: 2546: 2540: 2539: 2527: 2521: 2520: 2513: 2507: 2506: 2495: 2489: 2488: 2476: 2467: 2466: 2464: 2462: 2453:. Archived from 2442: 2436: 2435: 2428: 2422: 2421: 2410: 2404: 2403: 2398:. Archived from 2387: 2381: 2380: 2378: 2376: 2360: 2354: 2353: 2351: 2350: 2335: 2329: 2328: 2312: 2306: 2305: 2291: 2282: 2281: 2262: 2256: 2255: 2242: 2217:Health insurance 2140:CaliforniaChoice 2103: 2096: 2092: 2089: 2083: 2056: 2055: 2048: 1890:guaranteed issue 1869:"Cherry-picking" 1797: 1791: 1785: 1770:Primary concerns 1638: 1635: 1608: 1607: 1600: 1321:Access Health CT 1289: 1288: 1285:Guaranteed issue 1266: 1242: 1217: 1207: 1201: 1194: 1038: 1032: 1002: 998: 964: 655: 648: 521:CaliforniaChoice 512: 506: 500: 437:health insurance 425:health insurance 421:health exchanges 401: 394: 387: 373: 372: 371: 362: 361: 360: 79: 66: 65: 59: 56: 50: 38: 37: 30: 21: 5860: 5859: 5855: 5854: 5853: 5851: 5850: 5849: 5805: 5804: 5803: 5798: 5767: 5734: 5727: 5715: 5690:HealthSource RI 5496: 5484:King v. Burwell 5457: 5416: 5371: 5366: 5282:Wayback Machine 5251: 5246: 5236: 5234: 5226: 5225: 5221: 5211: 5209: 5199: 5195: 5186: 5184: 5174: 5170: 5161: 5159: 5151: 5150: 5146: 5137: 5135: 5127: 5126: 5122: 5113: 5111: 5108:HealthSource RI 5102: 5101: 5097: 5088: 5086: 5082: 5081: 5077: 5068: 5066: 5058: 5057: 5053: 5044: 5042: 5034: 5033: 5029: 5022: 5018: 5009: 5007: 4999: 4998: 4994: 4985: 4983: 4975: 4974: 4970: 4961: 4959: 4951: 4950: 4946: 4937: 4935: 4927: 4926: 4922: 4913: 4911: 4903: 4902: 4898: 4889: 4887: 4879: 4878: 4874: 4865: 4863: 4855: 4854: 4850: 4841: 4839: 4831: 4830: 4826: 4817: 4815: 4807: 4806: 4802: 4793: 4791: 4783: 4782: 4778: 4765: 4764: 4760: 4750: 4748: 4740: 4739: 4735: 4725: 4723: 4711: 4707: 4697: 4695: 4690: 4689: 4685: 4675: 4673: 4664: 4663: 4656: 4646: 4644: 4640: 4633: 4629: 4628: 4624: 4614: 4612: 4600: 4596: 4562: 4556: 4552: 4537: 4533: 4523: 4521: 4506: 4502: 4492: 4490: 4475: 4471: 4456: 4452: 4437: 4433: 4420: 4419: 4415: 4400: 4396: 4383: 4382: 4378: 4368: 4366: 4358: 4357: 4353: 4343: 4341: 4326: 4322: 4309: 4308: 4299: 4286: 4285: 4281: 4266: 4262: 4247: 4243: 4228: 4224: 4214: 4212: 4202: 4198: 4183: 4170: 4155: 4151: 4136: 4132: 4121:Urban Institute 4113: 4109: 4096: 4095: 4091: 4074: 4070: 4064:Wayback Machine 4048: 4044: 4034: 4032: 4017: 4013: 3998: 3994: 3984: 3982: 3973: 3972: 3968: 3958: 3956: 3944: 3940: 3923: 3922: 3918: 3907: 3903: 3882: 3878: 3865: 3863: 3858: 3857: 3853: 3845: 3841: 3840: 3836: 3805: 3798: 3777: 3773: 3758: 3754: 3744: 3742: 3735: 3722: 3715: 3682: 3675: 3666: 3665: 3661: 3638: 3637: 3633: 3620: 3619: 3615: 3607: 3596: 3592: 3591: 3587: 3577: 3575: 3562: 3561: 3557: 3549: 3538: 3534: 3533: 3526: 3516: 3514: 3510: 3499: 3495: 3494: 3485: 3470:Chait, Jonathan 3467: 3463: 3453: 3451: 3436: 3432: 3421: 3417: 3400: 3396: 3384: 3380: 3379: 3372: 3354: 3350: 3349: 3345: 3328: 3327: 3323: 3316: 3309: 3302: 3298: 3281: 3277: 3267: 3265: 3250: 3246: 3234: 3228: 3224: 3217: 3197: 3190: 3180: 3178: 3166: 3162: 3149: 3148: 3144: 3129: 3125: 3116: 3115: 3108: 3098: 3096: 3089: 3082: 3069: 3068: 3064: 3054: 3052: 3042: 3038: 3022: 3021: 3017: 3007: 3005: 2994: 2990: 2975: 2971: 2961: 2959: 2947: 2943: 2928: 2921: 2911: 2909: 2897: 2893: 2877: 2876: 2869: 2860: 2858: 2845: 2844: 2840: 2831: 2830: 2826: 2816: 2814: 2804: 2800: 2790: 2788: 2780: 2776: 2775: 2771: 2766: 2762: 2744: 2740: 2723: 2722: 2715: 2708: 2686: 2682: 2662: 2658: 2648: 2646: 2634: 2630: 2620: 2618: 2613: 2612: 2608: 2595: 2593: 2581:Morgan, David; 2579: 2575: 2562: 2561: 2557: 2548: 2547: 2543: 2528: 2524: 2515: 2514: 2510: 2497: 2496: 2492: 2477: 2470: 2460: 2458: 2443: 2439: 2430: 2429: 2425: 2420:. May 28, 2013. 2412: 2411: 2407: 2388: 2384: 2374: 2372: 2361: 2357: 2348: 2346: 2337: 2336: 2332: 2321:CBS Money Watch 2313: 2309: 2292: 2285: 2272:InformationWeek 2263: 2259: 2244: 2243: 2239: 2235: 2212:Health Advocate 2193: 2104: 2093: 2087: 2084: 2078:by introducing 2069: 2057: 2053: 2046: 2034: 2028: 1972:This includes: 1967: 1943: 1913:introduced the 1903: 1799: 1795: 1793: 1789: 1787: 1783: 1772: 1738: 1669:, the New York 1639: 1633: 1630: 1609: 1605: 1598: 1593: 1569: 1541: 1536: 1512: 1492: 1467: 1454:actuarial value 1428:(Rhode Island) 1426:HealthSource RI 1420:(Pennsylvania) 1287: 1282: 1281: 1280: 1279: 1278: 1267: 1259: 1258: 1243: 1234: 1233: 1221: 1220: 1208: 1204: 1195: 1191: 1024:Dollars (2014) 1012: 965: 960: 944: 789: 788:Each additional 664: 659: 606:substance abuse 594:hospitalization 586:ambulatory care 575: 569: 552:open enrollment 514: 510: 508: 504: 502: 498: 490: 450: 405: 369: 367: 366: 358: 356: 351: 350: 341:Fee-for-service 326: 318: 317: 291:Publicly-funded 271: 263: 262: 233: 225: 224: 220: 108: 81: 60: 54: 51: 48: 39: 35: 28: 23: 22: 15: 12: 11: 5: 5858: 5848: 5847: 5842: 5837: 5832: 5827: 5822: 5817: 5800: 5799: 5797: 5796: 5791: 5786: 5781: 5775: 5773: 5769: 5768: 5766: 5765: 5760: 5755: 5750: 5745: 5739: 5737: 5729: 5728: 5725:HealthCare.gov 5723: 5721: 5717: 5716: 5714: 5713: 5703: 5693: 5683: 5673: 5663: 5653: 5643: 5633: 5623: 5613: 5603: 5593: 5583: 5573: 5563: 5560:DC Health Link 5553: 5543: 5533: 5523: 5513: 5510:HealthCare.gov 5506: 5504: 5498: 5497: 5495: 5494: 5487: 5480: 5475: 5467: 5465: 5459: 5458: 5456: 5455: 5450: 5445: 5440: 5435: 5430: 5424: 5422: 5418: 5417: 5415: 5414: 5409: 5404: 5399: 5394: 5379: 5377: 5373: 5372: 5365: 5364: 5357: 5350: 5342: 5336: 5335: 5328: 5327: 5326: 5325: 5311: 5305: 5289: 5288: 5272: 5263: 5257: 5255:HealthCare.gov 5250: 5249:External links 5247: 5245: 5244: 5219: 5193: 5168: 5144: 5120: 5095: 5075: 5051: 5036:"GetCoveredNJ" 5027: 5016: 4992: 4968: 4944: 4920: 4896: 4872: 4848: 4824: 4800: 4776: 4758: 4733: 4705: 4683: 4654: 4622: 4594: 4573:(5): 741–748. 4567:Health Affairs 4550: 4531: 4500: 4469: 4450: 4431: 4413: 4394: 4376: 4364:HealthCare.gov 4351: 4320: 4297: 4279: 4260: 4241: 4236:New York Times 4222: 4196: 4168: 4149: 4130: 4107: 4104:. 10 May 2024. 4089: 4068: 4053:Dictionary at 4042: 4011: 3992: 3966: 3938: 3916: 3901: 3876: 3851: 3834: 3796: 3771: 3752: 3713: 3694:(3): 770–779. 3687:Health Affairs 3673: 3659: 3645:whitehouse.gov 3631: 3613: 3585: 3555: 3543:HealthCare.gov 3524: 3483: 3461: 3430: 3415: 3394: 3370: 3343: 3321: 3307: 3296: 3275: 3244: 3222: 3215: 3188: 3160: 3142: 3123: 3106: 3080: 3062: 3045:Sahadi, Jeanne 3036: 3015: 2996:Kliff, Sarah; 2988: 2969: 2941: 2919: 2891: 2867: 2838: 2824: 2798: 2769: 2760: 2738: 2713: 2706: 2680: 2665:Cohn, Jonathan 2656: 2628: 2606: 2583:Begley, Sharon 2573: 2555: 2541: 2522: 2508: 2503:Healthcare.gov 2490: 2468: 2437: 2423: 2405: 2382: 2369:New York Times 2355: 2330: 2307: 2283: 2257: 2251:Healthcare.gov 2236: 2234: 2231: 2230: 2229: 2224: 2219: 2214: 2209: 2204: 2199: 2192: 2189: 2112:private sector 2106: 2105: 2088:September 2017 2074:. Please help 2060: 2058: 2051: 2045: 2042: 2030:Main article: 2027: 2024: 2023: 2022: 2019: 2016: 2013: 2010: 2007: 2004: 2001: 1998: 1995: 1992: 1989: 1986: 1983: 1980: 1977: 1966: 1963: 1951:Healthcare.gov 1942: 1939: 1931:HealthCare.gov 1923:H.R. 3362 1902: 1899: 1898: 1897: 1874:cherry-picking 1870: 1867: 1863: 1856:out-of-network 1852: 1849: 1846: 1843: 1828: 1825: 1818: 1815: 1805: 1794: 1788: 1782: 1771: 1768: 1767: 1766: 1763: 1760: 1737: 1734: 1733: 1732: 1715: 1708: 1702: 1689:HealthCare.gov 1660:HealthCare.gov 1641: 1640: 1625:. Discuss and 1612: 1610: 1603: 1597: 1594: 1592: 1589: 1568: 1565: 1540: 1537: 1535: 1532: 1516:Avalere Health 1511: 1508: 1491: 1488: 1484: 1483: 1482: 1481: 1480: 1479: 1476: 1466: 1463: 1444: 1443: 1437: 1436: 1430: 1429: 1422: 1421: 1414: 1413: 1407: 1406: 1399: 1398: 1391: 1390: 1384: 1383: 1376: 1375: 1369: 1368: 1362: 1361: 1354: 1353: 1347: 1346: 1340: 1339: 1333: 1332: 1329:DC Health Link 1325: 1324: 1323:(Connecticut) 1317: 1316: 1310: 1309: 1303: 1302: 1296: 1295: 1286: 1283: 1268: 1261: 1260: 1244: 1237: 1236: 1235: 1229: 1228: 1227: 1226: 1223: 1222: 1219: 1218: 1202: 1188: 1187: 1181: 1180: 1177: 1174: 1171: 1168: 1165: 1161: 1160: 1157: 1154: 1151: 1148: 1145: 1141: 1140: 1137: 1134: 1131: 1128: 1125: 1121: 1120: 1117: 1114: 1111: 1108: 1105: 1101: 1100: 1097: 1094: 1091: 1088: 1085: 1081: 1080: 1077: 1074: 1071: 1068: 1065: 1061: 1060: 1057: 1054: 1051: 1048: 1045: 1041: 1040: 1034: 1033:Out-of-Pocket 1028: 1025: 1022: 1015: 1014: 1009: 1006: 958: 943: 940: 939: 938: 935:financial risk 931: 876:South Carolina 868:North Carolina 801: 800: 797: 794: 791: 785: 784: 781: 778: 775: 771: 770: 767: 764: 761: 757: 756: 753: 750: 747: 743: 742: 739: 736: 733: 729: 728: 725: 722: 719: 715: 714: 711: 708: 705: 701: 700: 697: 694: 691: 687: 686: 683: 680: 677: 673: 672: 669: 666: 661: 647: 646: 621: 582: 579: 571:Main article: 568: 565: 509: 503: 497: 489: 486: 466:accountability 449: 446: 419:, also called 407: 406: 404: 403: 396: 389: 381: 378: 377: 353: 352: 349: 348: 346:Global payment 343: 338: 333: 327: 324: 323: 320: 319: 316: 315: 310: 305: 304: 303: 293: 288: 283: 278: 272: 269: 268: 265: 264: 261: 260: 255: 250: 245: 243:Public opinion 240: 234: 231: 230: 227: 226: 223: 222: 215: 208: 207: 206:Latest enacted 203: 202: 196: 190: 184: 177: 176: 172: 171: 165: 159: 152: 151: 147: 146: 140: 134: 128: 121: 120: 114: 113: 109: 106: 105: 102: 101: 100: 99: 94: 86: 85: 75: 74: 62: 61: 42: 40: 33: 26: 9: 6: 4: 3: 2: 5857: 5846: 5845:Public health 5843: 5841: 5838: 5836: 5833: 5831: 5828: 5826: 5823: 5821: 5818: 5816: 5813: 5812: 5810: 5795: 5792: 5790: 5787: 5785: 5782: 5780: 5777: 5776: 5774: 5770: 5764: 5761: 5759: 5756: 5754: 5751: 5749: 5746: 5744: 5741: 5740: 5738: 5736: 5730: 5726: 5722: 5718: 5711: 5707: 5704: 5701: 5697: 5694: 5691: 5687: 5684: 5681: 5677: 5674: 5671: 5667: 5664: 5661: 5657: 5654: 5651: 5647: 5644: 5641: 5637: 5634: 5631: 5627: 5624: 5621: 5617: 5614: 5611: 5607: 5604: 5601: 5597: 5594: 5591: 5587: 5584: 5581: 5577: 5574: 5571: 5567: 5564: 5561: 5557: 5554: 5551: 5547: 5544: 5541: 5537: 5534: 5531: 5527: 5524: 5521: 5517: 5514: 5511: 5508: 5507: 5505: 5503: 5499: 5493: 5492: 5488: 5486: 5485: 5481: 5479: 5476: 5474: 5473: 5469: 5468: 5466: 5464: 5460: 5454: 5451: 5449: 5446: 5444: 5441: 5439: 5436: 5434: 5431: 5429: 5426: 5425: 5423: 5419: 5413: 5410: 5408: 5405: 5403: 5400: 5398: 5395: 5392: 5388: 5384: 5381: 5380: 5378: 5374: 5370: 5363: 5358: 5356: 5351: 5349: 5344: 5343: 5340: 5333: 5330: 5329: 5323: 5319: 5316:Jul 1, 2013, 5315: 5312: 5309: 5306: 5303: 5299: 5296: 5295: 5294: 5291: 5290: 5287: 5283: 5279: 5276: 5273: 5270: 5267: 5264: 5261: 5258: 5256: 5253: 5252: 5237:September 13, 5233: 5229: 5223: 5208: 5207:The Oregonian 5204: 5197: 5183: 5179: 5172: 5158: 5154: 5148: 5134: 5130: 5124: 5109: 5105: 5099: 5085: 5079: 5065: 5061: 5055: 5041: 5037: 5031: 5025: 5020: 5006: 5002: 5001:"MNsure Home" 4996: 4982: 4978: 4972: 4958: 4954: 4948: 4934: 4933:kynect.ky.gov 4930: 4924: 4910: 4906: 4900: 4886: 4882: 4876: 4862: 4858: 4852: 4838: 4834: 4828: 4814: 4810: 4804: 4790: 4786: 4780: 4772: 4768: 4762: 4747: 4743: 4737: 4722: 4721: 4716: 4709: 4693: 4687: 4671: 4667: 4661: 4659: 4639: 4632: 4626: 4611: 4610: 4605: 4598: 4590: 4586: 4581: 4576: 4572: 4568: 4561: 4554: 4546: 4542: 4535: 4519: 4515: 4511: 4504: 4488: 4484: 4480: 4473: 4465: 4461: 4454: 4446: 4442: 4435: 4427: 4423: 4417: 4409: 4405: 4398: 4390: 4386: 4380: 4365: 4361: 4355: 4339: 4335: 4331: 4324: 4316: 4312: 4306: 4304: 4302: 4293: 4289: 4283: 4275: 4271: 4264: 4256: 4252: 4245: 4237: 4233: 4226: 4211: 4207: 4200: 4192: 4188: 4181: 4179: 4177: 4175: 4173: 4164: 4160: 4153: 4145: 4141: 4134: 4126: 4122: 4118: 4111: 4103: 4099: 4093: 4085: 4084: 4079: 4072: 4065: 4061: 4058: 4057: 4052: 4046: 4030: 4026: 4022: 4015: 4007: 4003: 3996: 3980: 3976: 3970: 3955: 3954: 3949: 3942: 3934: 3930: 3926: 3920: 3912: 3905: 3897: 3893: 3892: 3887: 3880: 3873: 3861: 3855: 3844: 3838: 3830: 3826: 3822: 3818: 3814: 3810: 3803: 3801: 3792: 3788: 3787: 3782: 3775: 3767: 3763: 3756: 3741: 3734: 3730: 3726: 3720: 3718: 3709: 3705: 3701: 3697: 3693: 3689: 3688: 3680: 3678: 3669: 3663: 3655: 3651: 3647: 3646: 3641: 3635: 3627: 3623: 3617: 3606: 3602: 3595: 3589: 3573: 3569: 3565: 3559: 3548: 3544: 3537: 3531: 3529: 3509: 3505: 3498: 3492: 3490: 3488: 3479: 3475: 3471: 3465: 3449: 3445: 3441: 3434: 3426: 3419: 3411: 3410: 3405: 3398: 3390: 3383: 3377: 3375: 3366: 3362: 3361: 3353: 3347: 3339: 3335: 3331: 3325: 3319: 3314: 3312: 3305: 3300: 3292: 3291: 3286: 3279: 3263: 3259: 3255: 3248: 3240: 3233: 3226: 3218: 3216:9781410428998 3212: 3208: 3207: 3202: 3195: 3193: 3177: 3176: 3171: 3164: 3156: 3152: 3146: 3138: 3134: 3127: 3119: 3113: 3111: 3094: 3087: 3085: 3076: 3072: 3066: 3050: 3046: 3040: 3033: 3029: 3025: 3019: 3003: 2999: 2992: 2984: 2980: 2973: 2958: 2957: 2952: 2945: 2937: 2933: 2926: 2924: 2908: 2907: 2902: 2895: 2888: 2884: 2880: 2874: 2872: 2857:on 2014-07-01 2856: 2852: 2848: 2842: 2834: 2828: 2813: 2809: 2802: 2786: 2779: 2773: 2764: 2756: 2752: 2748: 2742: 2734: 2730: 2726: 2720: 2718: 2709: 2707:9781410428998 2703: 2699: 2695: 2691: 2684: 2676: 2675: 2670: 2666: 2660: 2645: 2644: 2639: 2632: 2616: 2610: 2603: 2592: 2588: 2584: 2577: 2569: 2565: 2559: 2551: 2545: 2537: 2533: 2526: 2518: 2512: 2504: 2500: 2494: 2486: 2482: 2475: 2473: 2456: 2452: 2448: 2441: 2433: 2427: 2419: 2415: 2409: 2401: 2397: 2393: 2386: 2370: 2366: 2359: 2344: 2340: 2334: 2326: 2322: 2318: 2311: 2303: 2302: 2297: 2290: 2288: 2279: 2275: 2273: 2268: 2261: 2253: 2252: 2247: 2241: 2237: 2228: 2225: 2223: 2220: 2218: 2215: 2213: 2210: 2208: 2207:Health system 2205: 2203: 2200: 2198: 2195: 2194: 2188: 2185: 2179: 2177: 2173: 2169: 2164: 2160: 2156: 2152: 2148: 2143: 2141: 2137: 2133: 2129: 2125: 2121: 2117: 2113: 2102: 2099: 2091: 2081: 2077: 2073: 2067: 2066: 2065:single source 2061:This section 2059: 2050: 2049: 2041: 2039: 2033: 2020: 2017: 2014: 2011: 2008: 2005: 2002: 1999: 1996: 1993: 1990: 1987: 1984: 1981: 1978: 1975: 1974: 1973: 1970: 1962: 1960: 1954: 1952: 1948: 1938: 1935: 1932: 1928: 1924: 1920: 1916: 1912: 1908: 1895: 1891: 1887: 1883: 1879: 1875: 1871: 1868: 1864: 1861: 1857: 1853: 1850: 1847: 1844: 1841: 1837: 1833: 1830:According to 1829: 1826: 1823: 1819: 1817:Data security 1816: 1813: 1809: 1806: 1803: 1802: 1792: Adopted 1780: 1776: 1764: 1761: 1757: 1756: 1755:New York Post 1750: 1749: 1748: 1745: 1744: 1730: 1726: 1722: 1721: 1716: 1713: 1709: 1707: 1703: 1701: 1697: 1696: 1695: 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