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Angie Drobnic Holan
By Angie Drobnic Holan January 18, 2011
Back to If you want new insurance, you'll be able to choose a new plan on a health insurance exchange

State-based exchanges will create insurance options

President Obama said many times on the campaign trail that health reform would give people new options to buy health insurance. But the new health care law doesn't match up entirely with Obama's promise that "if you don't have insurance, or don't like the insurance you have, you'll be able to choose a new plan on a health insurance exchange."

The new law created more than one exchange; it created state-based exchanges where consumers can buy insurance starting in 2014. People who earn a modest income but can't get insurance through work will qualify for tax breaks. Small businesses will be able to send employees to the exchange, and, if they wish, give them money to help them buy insurance. Large employers don't have that option; the law envisions them continuing to offer employees insurance without using any type of exchange.

All this means that different people will have different levels of access to the exchanges. Some people will qualify for tax breaks; others won't. Some workers will get help buying insurance from their employers; others won't. We'll be monitoring the exchanges to see how they work when they come online in 2014.

For now, we're moving this promise from Stalled back to In the Works.

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