Health insurance that is sold only through one of the exchanges created by the Patient Protection and Affordable Care Act may be more expensive than other types of coverage. But because of the substantial subsidies that many exchange purchasers receive, that fact may be of little significance to the purchasers.
This is the conclusion drawn by HealthPocket, which offers a website that offers health insurance plan comparisons. HealthPocket analyzed government data on similar plans — some offered only via an exchange, others offered both on an exchange and in the private marketplace.
The largest "mark-up" identified was for the exchange-only bronze plan, where premiums were 15 percent higher for exchange plans than for bronze plans available on and off an exchange.
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Dan Cook
Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.
