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NAIC in USA Today: Keep Health Insurance Exchanges State-Based

As Congress works to reconcile House and Senate versions of health care reform legislation, one issue remaining to be decided is whether the proposed health...
January 8, 2010

As Congress works to reconcile House and Senate versions of health care reform legislation, one issue remaining to be decided is whether the proposed health insurance exchanges will be state-based, or a single national exchange run out of Washington.

NAIC President Jane Cline and CEO Dr. Therese Vaughan, in an article in USA Today, make the case for state-based health insurance exchanges.

"Health insurance is an inherently local product," they say. State-based exchanges are best equipped to manage these regional differences and would be closer to the consumers they serve. They would be run by officials with local understanding and experience, attuned to health care needs of their communities and motivated to respond quickly as problems arise. A national exchange in Washington would be isolated from consumers, and it would lack the resources to provide quick help to individuals spread across the country."

"As Congress works to finalize much needed health care reform, it would be a mistake to forgo the responsiveness and flexibility provided by state-based exchanges in favor of a one-size fits all design from Washington," they wrote.

One Size Doesn't Fit All (USA Today 1/4/10)