Effect of Health Insurance Exchanges on Employers

A lot of debate, hot air and consternation have been expended discussing the overall impact of the Patient Protection and Affordable Care Act on employers. But how about one important facet of healthcare reform, the health insurance exchanges?

While we don't have the time or space to present every bit of opinion and research on the topic, here's a snip-it of what's out there that's decent. For instance:

Henry J. Kaiser Family Foundation: a simple fact sheet that can help you understand exactly what health insurance exchanges are and what their function and purpose are.

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Fixing the Pharmacy Conundrum (05/01/13)
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Another State, Wisconsin, Considers Adding High-Deductible Health Plans to the Menu (07/25/11)

Pacific Business Group on Health: for the large employers' perspective, check out this report from one employer group. The employers provide concrete and attainable suggestions for what they would want from exchanges.

Rand Corporation: This conservative think tank's recent report, "Establishing State Health Insurance Exchanges," provides some food for thought about what could be the real impact of all this reform. Its modeling reveals that as many as 60 percent of busineses will offer their health benefits through exchanges to 35 million employees. Overall, uninsured numbers in the United States will drop from 19 percent to 6 percent. Now cost on the other hand ...

Of course, as mentioned, this in no way represents all of the information out there, not even close. If you have a site, report or any other source of information on health exchanges that you would like to share, please do so by contacting the Risk & Insurance® editors.

April 1, 2011

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