Health Insurance Exchange

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BUILDING BLOCKS > CONSUMER BLOCK > CONSUMER DECISION MAKING

How is information about coverage options made accessible to consumers and groups so they can make informed choices?

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Public Individual Exchange

Policy Definition: Eligible consumers can use a public individual exchange to compare and purchase non-group insurance for themselves and their families, and can apply for premium tax credits and cost-sharing reductions to make coverage more affordable. All states are required to offer individual coverage through a state or federal administered exchange. source

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Public Group Exchange

Policy Definition: A public group exchange is a mechanism for small employers who want to provide affordable, flexible and convenient health and/or dental insurance offerings to their employees. source

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Private Individual Exchange

Policy Definition: A private individual exchange is an online resource to purchase coverage administered by a private company. Premium subsidies are not provided on the private exchange. source

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Private Group Exchange

Policy Definition: A private group exchange is typically administered by a benefits broker or consultant, employers give eligible employees a fixed amount each month to spend on plan premiums. The employee pays the rest of the cost, choosing among differently priced plans from competing insurers. source

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learn more at unitedstatesofcare.org