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The private health insurance industry fears that restricted eligibility and a market size that is too small could result in higher premiums, encourage "cherry-picking" of customers by insurers, and force a clearance of the exchange. That is what some believe will happen in Texas and California in their failed exchanges. [99]
In 1975, the Wisconsin legislature passed a law requiring that service insurance corporations be legally separate from the parent professional society. [ 3 ] In order to comply with the legislation, on April 27, 1977, WPS ended its relationship with the Wisconsin Medical Society, becoming an independent not-for-profit corporation.
A private exchange is an online marketplace that allows employees or retirees to shop for a personalized benefits package from a broad selection of benefit plans, which often includes medical, vision, dental, life, and disability insurance plans, as well as other offerings including non-insurance products like prepaid legal, FSA's, identity theft protection, and so on. [2]
Health insurance coverage is provided by several public and private sources in the United States. Analyzing these statistics is challenging due to multiple survey methods [13] and persons with multiple sources of insurance, such as those with coverage under both an employer plan and Medicaid.
Consumer Reports is a United States-based non-profit organization which conducts product testing and product research to collect information to share with consumers so that they can make more informed purchase decisions in any marketplace.
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