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The Affordable Care Act (ACA) established health insurance marketplaces for two purposes: to allow individuals to purchase insurance and gain subsidies for that insurance, and to increase competition and product comparability among insurers. Many Americans are using the federal and state-based exchanges to purchase coverage. In 2017, 12.2 million people selected policies through the marketplaces.
With so many Americans buying health care through the federal and state-based exchanges, it’s important to understand the dynamics of these marketplaces and how they relate to consumer decision-making and consumer choice trends. This understanding is especially critical for policymakers and business leaders so they can make well-informed decisions for the future.