8 components of a health care exchange

As an employer, there’s a lot you need to know in order to decide whether or not to offer health care through a health insurance exchange. But before you make a decision, Karen McLeese, J.D., vice president of employee benefit regulatory affairs for CBIZ Benefits & Insurance Services, details the general functions of all exchanges, including state-based, federal, or state/federal partnerships. Here are the eight primary features of exchanges. [Images: Shutterstock]

1. Qualified health plans (QHP)

The exchange will certify, re-certify and de-certify qualified health plans. A QHP is a plan that meets certain criteria including, but not limited to, providing essential benefits and complying with certain deductible and out-of-pocket restrictions.




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