The Patient Protection and Affordable Care Act make it compulsory for all states to have health insurance Exchange by the year 2014. There are certain guidelines that these Exchanges have to follow to be eligible for federal funding. However, the health reforms have only drafted a basic skeleton. The details have been left to individual states so that they can mold it according to the state specific regulations and the needs of the residents.
However, there are certain add-ons that would
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