English: U.S. Health Insurance Status (Under 65)

The department of Health and Human Services has release a 644 page document on the rules for a state based exchange.  This document is going to have a huge impact on health insurance and health care.  At this point no one really has an idea of how a state based exchange is going to look and operate.

If a state can not meet these rules then the federal government’s exchange will operate in the state. There has been very little information on how a federal exchange will look. We do know that the current administration has asked for $800 million a year to administer the federal exchange.


The Exchange final rule includes standards for:

The  establishment and operation of an Exchange

Health insurance plans that participate in an Exchange

Determinations of an individual’s eligibility to enroll in Exchange health plans and in insurance affordability programs

Enrollment in health plans through Exchanges

Employer eligibility for and participation in the Small Business Health Options Program (SHOP)

HHS Exchange Rules