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In an effort to reduce the uninsured population in the U.S., the Patient Protection and Affordable Care Act (ACA) introduced health insurance exchanges in October 2013. Since then, people without health insurance can go into these exchanges at open enrollment periods and directly purchase coverage, choosing from a menu of dozens (and sometimes hundreds) different plans. (more…)
A recent New York Times headline reported that health plan costs for New Yorkers will fall 50%. They were taking the bait from Governor Cuomo’s office, who crowed about “real competition that helps drive down health insurance costs.” (more…)