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Background:
The Affordable Care Act directed states to create a health care exchange accessible by individuals, families and small businesses. If a state fails to create an exchange then all enrollees will automatically be put into the Federal Exchange on January 1, 2014. The Minnesota Exchange will provide individuals and businesses access to lower premiums by leveraging competition between insurance providers.
What is an exchange?
An exchange is an online marketplace where businesses and individuals can find an apples-to-apples comparison of coverage options and leverage insurance companies against one another for the best deal. The Exchange will be able to determine an applicants eligibility for tax credits, cost sharing assistance, and public health care programs. The Exchange will also place coverage options in a standardized format to allow applicants to compare the levels of coverage offered by different plans. As directed by the ACA, all plans offered through the Exchange have to cover the benefits prescribed in the essential benefits set. Therefore, the plans in the Exchange will all contain coverage for the essential core of most applicants health care needs.
Data Privacy - At each step the consumer has the opportunity give their permission to the data sharing components. If the consumer is uncomfortable at some point, they may simply not give their permission to move to the next phase. State v. Federal As a national leader in health care,
Minnesota already has data on cost, quality, provider networks, etc... The federal government does not have this data and they will not have it for their exchange. What this means for the average consumer is that a Minnesota Exchange will contain provider quality ratings (which doctors are best for diabetes, asthma, etc) and provider network information (People want to know which doctors they are going to be able to see).