At the core of the proposal to revamp the nation’s health care system is the creation of a government-regulated marketplace. On such an exchange, consumers would be able to shop for insurance, compare benefits and prices, and choose a plan that best suits their needs.
Most of the plans offered on the exchange would be issued by private insurers that meet strict government requirements, including minimum benefits packages, levels of allowed cost-sharing through co-payments and deductibles, and overall premium prices — to name just a few basics.
Exchanges Article @ NYTimes
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