What Types of Coverage Will Health Insurance Exchanges Offer?
The health insurance exchanges are expected to offer the same or similar types of coverage options as employers, meaning that you may have PPO, HMO or POS options to choose from. Depending on the plan you choose, you could have specific co-pays, deductibles or coinsurance options available as well. The idea of the exchange is to open up the number of affordable options for those who currently struggle to obtain coverage, but the options within each exchange are likely to be similar.Who Will Qualify? The exchanges will first be available to people who work for small businesses with fewer than 100 employees and don’t have access to coverage through the employer. For instance, if you work for a company that does not currently offer coverage, the exchange could help you find insurance at an affordable rate. Also, the exchanges will be available to those who are self-employed and don’t have access to group plans. Those who work for larger companies will be given access to the exchanges. How
