ACA - Health Insurance Exchanges

Return to ACA

Heath Insurance Marketplaces by State

A important aspect of the ACA was the formation of the Health Insurance Exchanges also known as the Health Insurance Marketplaces.  In 2010, each state was given the choice to set up their own exchange or operate through the federal exchange.  The following states moved forward building their own exchanges:

All of the other states access their healthcare options through the federal exchange Healthcare.gov.  Within each exchange, regardless if it is a state run exchange or the federal exchange, is the ability for individuals and small businesses to set up their insurance options.

 The Public Individual Exchange

This exchanged is designed to help individuals that do not have a employer sponsored insurance program available to them find health insurance options.  Key components of the individual exchange include:

  • Four defined plan levels with all options having to be Qualified Health Plans.
  • Subsidies for household income levels below 400% of the federal poverty level.
  • The ability to purchase coverage with no exclusions to pre-existing conditions.
  • No employer involvement.  The employer can not pay the premiums for the individual.

The following table shows the federal poverty levels for 2014-2015:

Free Benefits Consultation

  • This field is for validation purposes and should be left unchanged.

two men consulting on benefits for employees

1-on-1 Benefits Consulting

We know how confusing employee benefits can be. That's why we offer 1-on-1 sessions. Go ahead, ask us anything!

woman auditing company benefits policies for compliance

Compliance Administration

Don't assume your company is in compliance. Laws change every week. Leave compliance admin to the professionals.

employee filling out employment forms for a job

Electronic Enrollment

Eliminate the mounds of paper involved in HR documentation. We use 100% electronic enrollment with secure and redundant technology.