While private health exchanges are still relatively new, they are showing promising results in helping to engage employees in a way the industry has never seen before. Photo: Getty images.

Choosing health insurance coverage and effectively using the health care system can be a daunting and confusing experience for consumers. 

Many don’t understand basic health insurance concepts, including plan design provisions, carrier provider networks, or when to select a high deductible plan with a health savings account. 

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