A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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What are the deadlines for the ACA’s open enrollment period?
A list of the open enrollment deadlines for enrollment in 2023 ACA-compliant health insurance in every state. Open enrollment ended on January 15, 2023 in most states.

Latest News & Topics

Latest News & Topics

Featured

Featured
Applying for ACA Coverage?
Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining affordable coverage.

private exchange

What is a private exchange?

healthinsurance.org health insurance glossary

A private exchange is simply an online resource set up by brokers, insurance carriers or benefit consultants, where individuals and employers can shop for health insurance, enroll in a plan, and receive customer support as needed. When you visit a health insurance comparison site and submit an application, you’re using a private exchange. These are not new, and they’re not part of the Affordable Care Act.

Private exchanges can be used in the individual or group markets.  The public exchanges established by the ACA will provide options for individuals and small groups, and it’s expected that private exchanges in many states will assist applicants enrolling in public exchanges. (This means that you may be able to use your regular broker to help you enroll in a subsidized public exchange plan.)

There will not be public exchanges for large groups, so private exchanges will likely be popular as brokers and insurance carriers work to to help large employers find plans that best meet their needs and also conform to ACA regulations.

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