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Question DetailsAsked on 8/17/2013

how do i compare the health insurance exchanges?

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1 Answer


As of today, you can't.

Open enrollment starts on October 1st, 2013 for effective dates beginning on January 01, 2014. Depending on which state you are in will determine which exchange you purchase from. If your state has elected a state exchange, then you will buy from your states exchange. If your state opted out, which most did, you will purchase from the Federal Exchange.

Most states will offer the availability to purchase policies on and off the exchange. The biggest reason to purchase on the exchange is for those receiving a subsidy from the federal government. Sit down with a broker to first see if you qualify for a subsidy, and then go from there. If you qualify for a subsidy, you will have to purchase on the exchange.


Answered 7 years ago by

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